vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.

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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Section 623 ( a ) ( 6 ) if a furnisher learns that it has furnished inaccurate information due to identity theft.it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A section 2 ( It also states a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat an payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2024-03-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A section 2 ( It also states a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat an payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received a text message from ( XXXX ) XXXX The scam email said... 
Wells Fargo : Your account has been restricted from making additional transactions due to some unusual activity. Visit XXXX XXXX XXXX to verify your account

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NY

Complaint narrative:
There's been 2 unauthorized charges on my account, this caused an outstanding balance which I was unaware of causing a delinquency to be reported on my credit report. After that I called First Progress, and they said they'd investigate but I never heard back. 

Also sent them a letter with no response, filed a dispute with XXXX and the delinquency was removed, next cycle it was re-reported again and now First Progress rejects to take it off and is not responding to written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-14 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: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX shared my information to early warning services , llc which is a non affiliate and dont have my consent and or written permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The following account was charged off as of ( XXXX, XXXX ) Since then the account has repeatedly been updated as " charged off '' every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. 
I am demanding a deletion of the following account : account # XXXX XXXX XXXX  1. PAYMENT HISTORY IS DIFFERENT ON XXXX CREDIT REPORT COMPARED TO EQUIFAX CREDIT REPORT. THE HISTORY GOES AS LISTED ON XXXX XXXX + CO ( XX/XX/XXXX DAYS LATE MODEL ) BUT ON EQUIFAX XXXX XXXX. THE BALANCE ON THE CHARGED OFF DEBT IS DIFFERENT, XXXX LISTS IT AT {$22000.00} BUT EQUIFAX LISTED THE DEBT AT {$23000.00} XXXX. BOTH XXXX AND EQUIFAX REPORT THAT THE LAST PAYMENT MADE ON THE ACCOUNT WAS IN XX/XX/XXXX BUT THE PAYMENT HISTORY SECTION IS REPORTING A LATE PAYMENT FOR THIS MONTH. THE XXXX PAYMENT MONTH SHOULD BE UPDATED TO CURRENT AND ON TIME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been corresponding with XXXX XXXX First American Title Insurance Company Phone : XXXX Email : XXXX She has refused to include any of her management team in the e-mail thread. I started this process XX/XX/XXXX. 

I closed on a home XX/XX/XXXX. XXXX XXXX was the loan officer. 

I was notified that my home insurance was cancelled by XXXX XXXX for non-payment. I purchased my own in XXXX. 

I was billed for XXXX property taxes by XXXX XXXX XXXX. I paid the amount due, with late penalty. I paid it XX/XX/XXXX. 

I examined my closing statement produced by First American Title and saw that I paid {$830.00} for home insurance, so I asked for a refund. 

I examined my closing statement produced by First American Title and saw that I paid {$560.00} for property tax, so I asked them for a refund. 

XXXX XXXX has deflected my requests for refunds and claimed checks were written and paid for these amounts. XXXX XXXX and XXXX XXXX XXXX claim otherwise. 

I want my account audited and XXXX XXXXXXXX XXXX management to inspect her work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.

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 2024-03-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a notification from my bank indicating that our account was overdrawn due to an unauthorized payment of {$2600.00} to Chase for my XXXX credit card 's full balance. I did not receive any email confirmation for this unauthorized transaction. Subsequently, I spoke with a supervisor who assured me of a full refund by the XXXX. However, the refund was not processed, and upon contacting another supervisor, I was informed that I would have to wait an additional 7 to 10 days. 

Despite explaining the urgency of needing the funds they withdrew without my explicit consent, the supervisor displayed a lack of empathy for their mistake. I had to borrow money from various family members to cover essential expenses such as bills and groceries. I am seeking a prompt resolution to this matter and would appreciate information on my rights, as this situation appears to be highly irregular and possibly illegal. Thank you for your time and attention to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I contact Pressler , Felt & Warshaw , LLP to request once again to provide me with documentation with my SIGNATURE on it that shows when the account the stated I own was open and the representative told me THEY DONT HAVE IT.. I ask him how they sued me then with out the proper documentation and for my surprise he told me that he is not a Lawyer. SO IS Pressler , Felt & Warshaw , LLP IMPERSIONATING TO BE A LAW FIRM??? 

Felt & Warshaw , LLP STATED THAT I DID NOT RESPOND TO THE COURT .... ARE YOU GUYS SURE??? BY THE XXXX OF XXXX THE COURT RECIEVED MY RESPOND LETTER AND ON THE XXXX OF XXXX THEY WITHDRAW THE XXXX DOLLAR FILLING FEE THAT I SEND TO THEM BY CHECK FROM MY CHECKING ACCOUNT. 

I REQUESTED Pressler , Felt & Warshaw , LLP TO PRIVE ME WITH THE FOLLOW DOCUMENTATIONS 1.Documentation with my SIGNATURE on it that shows when the account they stated I own was open. 

1.1 Documentation with my SIGNATURE on it that shows I own Felt & Warshaw , LLP any sum of money 2.Documentation with my SIGNATURE on it that shows when the account they stated I own was open 3.Documentation with my SIGNATURE on it that shows when the account they stated I own was open 4.Documentation with my SIGNATURE on it that shows when the account they stated I own was open 5.Documentation with my SIGNATURE on it that shows when the account they stated I own was open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-14 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: Experian Information Solutions Inc.
State: AL

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 and 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 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 2024-03-14 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: LA

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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2022 The State of Arizona issued a check to Capital One Auto finance in my name as part of an emergency veterans assistance grant. The check had my full name on it. Capital one cashed that check on XX/XX/2022 and has since refused to release the funds. After 30 hours on the phone and refusing to speak to AZ State they lied and said they lost the check even though they had cashed it. The state issued a new check and Capital one allocated that money to my account. The first check they kept the money. They did not act a prudent man as the law insists, nor did they do any due diligence. They have spent 42 hours over XXXX years lying, hanging up on me, putting me on hold, and generally refusing to do any meaningful work to recover the funds. They refused to allow any one individual to help me and made me restate the case every single time i called them as if i had never called them before. XXXX weeks ago i sent them irrefutable evidence from the state that they did, in fact, cash the check and have the money. They still refuse to release the funds. They act as if they are above the law or as if their incompetence or convoluted system absolves them from following the law. I am a XXXX XXXX XXXX veteran who has been robed for XXXX years. They have illegally held these funds for XXXX years and refuse to release them let alone pay interest or damages. I have spoken to over 48 different representatives. 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 after alerting the press, did they even begin to look into it. I also had to go outside their system and use XXXX XXXX to get emails of ceo 's to get help. Yet, with all the evidence in their hands they still refuse to release the funds. I've told them on multiple occasions how this is harming me but they simply do not care. They act as if they are immune to banking laws and can simply lie, obfuscate, call me names, and refuse to even look into the matter. 43 hours on the phone to over 48 different individuals, they have copies of the cleared checks, yet they still refuse to release the funds. How can it be legal to lie about having the money, refuse on 48 occasions to even look beyond their first line computer screen, mistreat me, refuse to do due diligence, refuse to act as a " prudent man '', refuse to assist me for XXXX years, make me call back and speak to new person who has no idea what is going on every single time i call, hold the money, collect interest on the money, and now, with all the evidence provided them, continue to withhold the funds. They act as if the laws don't apply to them. They laugh at me when i tell them i will file a complaint. I have almost all the calls logged and on tape.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX- {$2200.00}. XXXX XXXX {$1400.00}. XXXX {$1200.00}. XXXX XXXX {$1500.00}. XXXX XXXX XXXX {$5000.00}. XXXX XXXX {$630.00}. These are the accounts thats fraud on my account. I never signed for any of these accounts. They need to prove to me that they have my original signature. No one have provided me this information thus far. This needs to be removed immediately off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting 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: KS

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation