vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XX/XX/21 The inquiries on my credit report XXXX are XXXX, XXXX, XXXX XXXX did not unauthorized report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- [ ] In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

- [ ]

15 USC 1681 Section 602 States I have the right to privacy. - [ ] 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TX

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 act. The List of accounts below XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Glacier Bancorp Inc.
State: ID

Complaint narrative:
For months Ive been trying to transfer money from XXXX to my XXXX bank, after giving me the wrong information for the transfer they seem to have lost the money or have no idea where it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
On XX/XX/, at XXXX XXXX XXXX I returned a call to Credit Management phone number XXXX in which I was informed that she was attempting to collect a debt for Spectrum in the amount of XXXX and some change for an address I told her that I never lived at. The representative 's name was XXXX XXXX, asked her to provide Verification of debt as per fdcpa I have the right to request any paper trail on this debt in which she denied to do so and told me that because it is fraud that she can not mail me anything. i requested a manager or supervisor in which I then was placed on hold and never transferred per my request. I then was directed to the website to fill out a form to " cease communication '' but that still doesn't allow me to request any paperwork on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am victim of identity theft by someone who apparently lives in Massachusetts. Addresses are now in my credit file from Massachusetts while I actually live in XXXX, Texas. This person has opened at least 3 credit card accounts in my name and with my social security number. Now, two collection agencies ( XXXX XXXX XXXX and Sunshine Credit Services ) are on my credit record trying to collect money not paid to XXXX XXXX. I have never had an account or purchased anything from XXXX XXXX. I am filing this report to make you aware of the identity theft and I have asked both XXXX and XXXX to remove these detrimental records from my credit file.

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 2023-03-29 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: CA

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 Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. and lastly 15 U.S.C 6802 ( b ) Opt-Out I was never given the option to opt out and not report to my credit with out pressure

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 2023-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I'm a victim of identity theft. Someone has my information and bought a brand new XXXX  XXXX XXXX. They took out an auto loan with Wells Fargo. I'm trying to put a stop to all of this. Already froze my credit bureau accounts and made a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CoinZoom, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I submitted a request to Coinzoom to close my accounts with them. On XX/XX/2023, CoinZoom support staff replied that they would not or could not comply with my account closure request, citing that their system does not support such action. 

I do not have any outstanding debts or other obligations that would necessitate keeping the account open. 

CoinZoom cites that complete deletion of my personal info from their system is not possible due to financial records laws, but I have not requested deletion of my info- I have only requested for my accounts to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my Equifax credit report and found the following inquiries to be in error : XXXX XXXX ( XXXX ) DATE OF INQUIRY : XX/XX/2021 I never authorized this creditor to obtain my credit report ( s ). This is a clear violation of the FCRA. Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must : Provide complete and accurate information to the credit reporting agencies ; Investigate consumer disputes received from credit reporting agencies ; Correct, delete, or verify information within 30 days of receipt of a dispute ; and, Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TX

Complaint narrative:
I have expressed to XXXX XXXX credit card company that they were not reporting any accurate information. This is a fraudulent account and it has ruined my character. I have requested in writing by mail certified that they would stop reporting any and accurate information to the cra 's yet and still they are still reporting inaccurate information to the CRA 's. There has not been any information verified according to the CFPB compliance with consumers. All of this is caused by a lot of stress and harm to my well being as far as attaining a home and other essential services.. Please stop violating me as a consumer!

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My name is XXXX XXXX and I've been a Bank of america customer in good standing since XXXX. Around XXXX XXXX XXXX I went to use my ATM card to get cash which was successful and then I went to XXXX in XXXX, Maryland and tried to use my card and it was denied so I tried a second time also denied. I received a text and it was from bank that I needed to call do to security problem. Called number and was asked several questions and was then told you are okay and you can use your card now. Tried again and it was denied again so I gave up and returned to my car. Called bank number from my car and they told me to go to my local bank and tell them what's going on. Went home, fed dogs and proceeded to drive back to my local bank. Once inside I talked to clerk and he said something wasn't right and I needed to talk to manager. I went and waited and manager came over told me to have a seat and asked me where all did I use my card and I told him and he made a call to corporate office and then he asked me if I wrote anf checks today and I said and he said well a counterfeit/fraudulent check was written by me today and they were proceeding with closing my account. He told me to go home and call this number to corporate office. I was shocked and upset and once I got home I thought what am I going to do, no bank, no money till XXXX  of month. Called number and they were really nasty with me accusing me of something I did not do. They put a hold on my account until they could close it, told me to cut up bank cards and checks and I had no more access to my account. So, thank XXXX for friends who loaned me money to make it a month without. XXXX  XXXX XXXX my tax money went to bank of america and I can't get that either. I'm really stressed and upset, really put me in a hardship position.

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 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX claims that I owe them {$110.00} for insurance policy. The policy was canceled before it was renewed. They are trying to scam me and make money off of me. It was canceled I believe in XXXX of XXXX. On XX/XX/XXXX I received a letter from a collection agency that I have nothing to do with asking me to pay {$110.00}. I dont recognize this debt, furthermore on XX/XX/XXXX I received SMS from this collection agency Credit collection services telling me that I owe them money and their contact information. I texted them back there was no response. I dont want to be contacted and harassed by them. Ive tried resolving this with XXXXXXXX XXXX XXXX  on XX/XX/XXXX but they just hung up the phone. They sold my personal information to a collection agency that I never agreed on, thats a breach of my privacy. I dont owe money to nobody and now they will destroy my credit score for a made up debt that XXXX XXXX XXXX  created. I canceled the policy before the renewal date.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Park Hill Holdings
State: IL

Complaint narrative:
SAFERENT SOLUTION LLC XX/XX/21 The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX did not Unauthorized report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have noticend an incorrect and unauthorized item appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed a dispute to the three credit bureaus about a bankruptcy REF # XXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information 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 non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Mortgage statement was send to a rental property Mortgage statement was never sent to my home address I did figure out myself that something was wrong then call the bank and figure out that the mortgage was sold then contact the new company ( the one that bought my mortgage ) I did pay in one time by phone the 2 month that were behind and update the address They reported in my credit knowing that was not my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Processing Services, LLC
State: MN

Complaint narrative:
I received a few calls with a request to return a phone call at XXXX who states they are Global Processing Services and act as bad debt mediating. This phone I believe help gs to XXXX count or city. FL. They claim in 2016 I took out a payday loan online with IP address XXXX. This ip address belongs to someone in AZ, I don't live there. All they could tell me was it a main lender from XXXX XXXX through XXXX in 2016. They could not tell me what the supposed contract was nor could they give me a specific date in 2016 not could they send my anything, but if I called the company they wouldn't know anything because they " sold '' the debt to them, but this Global doesn't have the contract the client does. They stated {$500.00} was wire transferred into my account, which have never happened, confirmed with my bank. Supposedly I have been contact via mail which has never happened. They state I have a {$1700.00} balance which they will settle for {$380.00} but I need to give them my payment information over the phone. This organization has my address and last XXXX of social. I was hung up twice and on the third time I called I was given different information about where this pay day loan came from. They stated they are a 2nd debt collector but it has not hit my credit yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CBNA/XXXX  XX/XX/2021 The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX XXXX not unauthorized report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Sunlight Financial LLC
State: VA

Complaint narrative:
I was a customer of XXXX XXXX who went out of business. They sold aolar panels. Sunlight financial is who the loan was put through. XXXX XXXX went out of business before they completed my install, set and activation. I am not on the grill and am still paying a full electric bill. I can not afford to pay my electric bill and these panels that is not operating on my behalf. They continued to call me for money and told that they might have to report my debt to the credit bureau. They have failed to help me with getting on line. And is still charging interest on this loan. I gave them XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CA

Complaint narrative:
On XX/XX/22 I withdrew {$60.00} from a Chase Bank ATM at the XXXX XXXX XXXX, XXXX, CA location. I checked my account a few days later and saw an additional {$900.00} missing from my checking account. There were 3 additional transactions, {$400.00}, {$400.00}, {$100.00} that were not made by me. 

I filed a claim with Chase ' fraud department and was later denied reimbursement claiming that since the ATM code was entered, it was a legitimate transaction. They refuse to look at ATM camera footage that shows I did not withdraw the money. 

I followed up with the branch manager she confirmed it is a major problem at her location and to file a police report with XXXX and she will help reopen the claim. It was denied a 2nd time. 

A few weeks later after my claim denial a news report came out about that same location and other customers who have had the same experience. Criminals are using a flaw in Chase 's ATM chip scan feature to capture customer information and steal money from our accounts. 

XXXX XXXX XXXXXXXX I have filed my claim with Chase and it has been reopened and closed 4 times. I have yet to be reimbursed and other victims advised me to follow up here.

Company response to consumer: Closed with explanation