vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received an email about my information being in the Equifax data breach so I pulled my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect addresses are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX and XXXX XXXXXXXX XXXX XXXX, NY XXXX. 





The incorrect name is : XXXX XXXX XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX Dear Sir/Madame : On XX/XX/XXXX, I received a letter from Chase Bank XXXX Deposit Mail Services XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX phone : XXXX, advising me that they are closing both my checking and savings accounts, because of unexpected activity, quoting : After careful consideration, we decided to close your account because of unexpected activity on these or another Chase Account. I stopped by one of their branches at XXXX XXXXXXXX XXXX XXXX, NY XXXX to discuss the matter. The representative with whom I met thoroughly checked my accounts yet could not find any red flagged activities. The representative stated that the staff in the Chase Banking branches do not handle those types of issues and suggested that I check with the Chase Global Security Investigation. 

I have been a Chase Bank customer for several years, first with my daughter, then later with my son, in XXXX. I have a portion of my salary directly deposited into my checking, and I also have a savings account as well. 

I would like for Chase to explain what is Unexpected activity? Chase Bank also mailed a similar letter to my daughter who is presently the sole owner of an account that we used to share for the same reason. 

For the records, my XXXX  children and I are both professional individuals, and law-abiding citizens. 

I thank you for your time and assistance in this matter and look forward to hearing from you. I will forward copy of the Chase Bank letter I received upon request. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: MI

Complaint narrative:
My wallet was stolen and as I dont use my Wisely card often I didnt notice it right away, Charges were made over XXXX miles away from my home. I contacted ADP who was less than helpful, couldn't speak english and was told to email XXXX XXXX XXXX for a provisional credit as they do not do this automatically i emailed the dispute address asking for a provisional credit under regulation E. A few days later i recieved an email saying they closed my dispute. When this happened I didn't have an issue with XXXX, or my local bank. A quick XXXX search showed many complaints of ADP doing the same thing to customers who requested a credit and not handling disputes accordingly. i am not one to complain but this is ridiculous and the lack of compassion and professionalism is unreal. my next step will be contacting the CPFB, FTC, the state attorney general, and contacting a lawyer if this isn't resolved. ADP needs to reopen my dispute and credit my account. DISPUTE CASE # 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 2023-03-23 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I have been trying to get this late off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
In XXXX of XXXX  I purchased a car from XXXX XXXXXXXX XXXX in XXXX, XXXX XXXX The car was a XXXX XXXX XXXX with approximately 40k miles on it. The transmission went out in the car while it was still under warranty. I was given a loaner car for 30 days and they neglected to fix the transmission and kept giving me the run around about the car. I was paying my car note to credit acceptance on time until XXXX even though I was without a vehicle. XXXX  XXXX XXXX was shut down, I still had no car but was still expected to pay the note to credit acceptance. My car was not repossessed This is very damaging to my 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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Reference Case # XXXX We were never aware of alleged {$500.00} promotion bonus when we opened the account in XXXX of 2022. The only promotion we had was waiver of monthly account fees due to the large amount of business we gave US Bank. I do see the adjusted interest in the statement. Which is bazaar. Why not name things the way they are : Promotion bonus, for example. But that's not the issue here. THE ISSUE IS SOMETHING THAT COULD BE EXPLAINED AFTER I FILE A COMPLAINT, WHY CAN'T THAT SAME THING BE EXPLAINED ON THE PHONE? WHY ISN'T THIS INFORMATION EASILY AVAILABLE FOR BANKERS ASSISTING CUSTOMERS ON THE PHONE? WHY WOULD THEY PUT ME ON HOLD FOR OURS, THEN DROP THE CALL, THEN TELL ME HOW BAZAAR THIS IS BECAUSE THEY CAN NOT FIGURE OUT WHERE IS ALLEGED INTEREST CAME FROM. WHY? WHY NOT NAMED THINGS THE WAY THEY ARE, SUCH AS A " BONUS FOR OPENING ACCOUNT '' and confuse both customer service reps and consumers??? 

US BANK is spiring out of control, it's the worst bank in the whole nation, their system is set up to cover up illegal practices, as if they are hiding something from their own representatives. You have to waste time to file a complaint every time there is an issue because US Bank representatives are clueless, because their system is intentionally blocking them from seeing the facts in order to help consumers. This is an illegal practice, at best. Maybe, if they named things the way they are, we wouldn't have issues, or simply state the facts in their internal system for represntatives to see and assist.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
there are already 5 complaints with this is no solution and the fees on my account only increase. I do not agree with so many fees that I have paid since XXXX. I called the bank again today and they answer, talk to us and say they will solve it and hang up the phone without giving any satisfaction, the treatment they give to the customer is absurd. and also when we open the complaint they promise to call us and solve it and they do nothing. I don't want them to call, I WANT THEM TO RETURN my money to my account, that's all. Enough of this clowning and being treated like garbage by the bank. I WANT my money back that the bank took me saying I must pay fees and more fees. I want a solution and on my account, enough talk. now I'm not going to complain here anymore, I'm going to look for my lawyer because the negligence is beyond the limit!

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I received an email from world finance stating that if I paid {$890.00} by XXXX this account would be settled. As of today XX/XX/23 on my credit report this account is not listed as settled and it says its past due {$890.00}. Thats not what the email I got from world finance stated or what the representative that took my payment said. I want my money back or this account listed as paid in full with a {$0.00} balance. This company lied to me and took my money. Thats fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: CA

Complaint narrative:
In accordance with the fair credit reporting ace XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To who it may concern, I am requesting that 13 late payments for the account ending in XXXX be deleted from my credit report ASAP. I communicated with Capital One regarding my unemployment status between XXXX. Capital one refused to work with me during my hardship and now my credit has negatively been impacted. Upon gainful employment, I paid my account off in full, however Capital one is refusing to delete the late payments. 

The law states that at no point should there be a late payment reporting to my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. I never gave any consent for these alleged transactions. 

These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b/ Please reverse these late payments from my consumer report and update this account as soon as possible. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity bank continues to call more than 10 times a day I find this the most harassing from a company that has took over an account that has put this on my credit report 3 times for 1 account with 3 different amounts owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
i have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. 

Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. 

With the newest card account I did contact the creditor directly and spoke with a XXXX & XXXX both of whom could not do anything until another report was filed with the FTC. 

Please see both police report number below. 

case # XXXX : XXXX case # XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
On XX/XX/, I transferred {$3700.00} from USA to XXXX  using the express option from bank to bank and I paid a {$2.00} fee to Moneygram. The same day I received an e-mail from Moneygram saying that the transfer has been sent. The funds were withdrawn from my XXXX  XXXX  account on XX/XX/. Today I inquired via chat ( XXXX ) for the status since I was told by the my brother-in-law that the money has not been received. I was told that the transfer was pending review (? ) and additional information was required by someone. I needed to call some XXXX  number to find out what's going on. In the meantime that are holding to the fund. Since I have transferred funds from my XXXX  XXXX  account to my brother-in-law several times before using this service I do not understand what's the problem. I should have been contacted by Moneygram if there was any problem. I asked them to closed my account and I want the money returned to my XXXX  XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: MUTUAL OF OMAHA MORTGAGE, LLC
State: AL

Complaint narrative:
Mutual of Omaha Mortgage , Inc. deliberately with malicious and intimidation sent us written correspondence that our VA Mortgage Loan had been delinquent and in jeopardy. We contacted our VA Home Loan Counselor through written and verbal conversation by phone to confirm and verify that our VA Home Loan was in good standing. That was by phone on XX/XX/. We later found out that they had records of our mortgage loan payments, and no default was found or posted against our loan. We have never missed a payment with this company. Mutual of Omaha Mortgage , Inc stated that they would make sure that our credit rating was going to be affected. Our problem with Mutual of Omaha Mortgage , Inc did not involve the mortgage loan payments at all, it was an escrow account shortage, and they use this to report the negative and derogatory information pertaining to our creditworthiness and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: DISCOVER BANK
State: GA

Complaint narrative:
someone stole my wallet and used my ID and credit cards to obtain car rentals, hotels, and made other purchases. I had to get a new drivers license, new credit cards, and a new phone. I sent a copy of my police report and my new license to Discover. The charges are still on my account. I need them removed so I can pay off my credit card appropriately. The Fair Credit Billing Act protects consumers against inaccurate or fraudulent credit card charges and other billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I paid a bank for overdraft fees then shut down the account back in 2019. They sent it off to Chexsystems as paid but its still reporting on my consumer report. 


XX/XX/2019 XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX PAID IN FULL

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 2023-03-23 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: MI

Complaint narrative:
I have disputed this account with Experian, They updated the inaccurate information and left the account on my Credit report. STATE OF MICHIGAN CHILD SUPPORT XXXX. This is inaccurate, i have not given anyone permission to use my information for this account, i do not have any credit transactions with this company. Experian refuses to remove this fraudulent account and inquiries. Inqiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device this agency is in violation of 15 USC 1681a and i ask that this fraudulent account is 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 2023-03-23 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: MD

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 Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : DEPARTMENT OF LABOR XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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