vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent several letters to remove this old address from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This is a follow up to a previous complaint, parties involved XXXX XXXX XXXX LVNV Funding LLC, and XXXX XXXX XXXX XXXX 

This account is in error and completely wrong, but here we go again. Attached please see the Satisfaction of Judgment. My ex-wife was served at XXXX XXXX XXXX XXXX XXXX, a home I have not lived in since XXXX, please see the attached Divorce filing from XXXX. 

LVNV hired a law firm from XXXX. The case was litigated in XXXX XXXX XXXX XXXX. I lost by default as I was unaware of the service, because I did not live at that location. The courts ordered my wages garnished and then provided a Satisfaction of Judgement to the law firm, please see the attached summary from XXXX. 

XXXX XXXX XXXX is not registered with the Secretary of State for the State of Nevada and not being registered as a XXXX XXXX XXXX, or otherwise it is illegal for them to transact any business in any state. 

It is not my debt, I have paid and they are continuing to harass me and cause me undo stress. I want this matter resolved and disposed of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: LEXISNEXIS
State: OH

Complaint narrative:
Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Account fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: IN

Complaint narrative:
Subjet : Removal of Hard Inquiry from Credit Report. 
On XX/XX/year>, I received a copy of my credit report from Equifax Reporting Agency and I saw inaccurate information on my credit report. I did not give my consent or my authorization for XXXX XXXX XXXX to run my credit report for any purpose. XXXX XXXX XXXX has violated my right to privacy under the FCRA law. This inquiry is made in error and should be removed from my credit file. I have not applied for credit as I am trying to correct inaccurate information on my credit file. Thank you for your time in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, XXXX submitted several request to dispute several old and outdated items on my credit report, and today. XX/XX/year>, I received the results of those dispute,???, ( something is clearly not right/accurate )??, to receive results so quickly, then I discovered these so- called results are automated/computer /generated, no one actually investigated the disputes in such a very short amount of time???, how could an investigation only take one day, less than 24 hours to complete????, this is really not right and unfair to the consumer, so nothing was actually investigated.!!!!, it's just all computer generated!!, this is also unfair business practices on Equifax 's part, just to feed something/disputes into a computer and then claims results are completed within 24 hours,????, there is no actual live person investigating disputes. Me, as a consumer, expects my disputes to be performed and investigated by a real/live person, thoroughly and accurate, Equifax has had all sorts of issues and complaints and unfair business practices, it seems as though with these computer generated results, it's just a quick fix or quicker way to falsely send out quick results of disputes, when no one has not even reviewed the disputes. Equifax is continuing to fail consumers. I am hoping this complaint is really going to get investigated by CFPB with favorable/fair results and NOT just send me computer generated results. 1

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: MN

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX XXXX, am submitting this complaint against, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for notice of dishonor, violations of Truth In Lending Act, Fair Debt Collections Act, securities fraud, and Fair Credit Reporting Act. I obtained a loan through XXXX XXXXXXXX, dating XX/XX/2022, of {$12000.00}. A promissory note was signed electronically and submitted. Payments of {$410.00} were electronically debited from my account monthly. After conducting some research on the company and the bank listed on the promissory note, XXXX XXXX XXXX, I found their Prospectus Summary and XXXX XXXXXXXX Asset Backed Securities form, with the securitizer named on the documents, I realized that my credit application and floating rate notes, tendered and electronically transferred into the account, was converted into receivables and sold to investors on the secondary market as stocks, and beneficial interests, the form of dividends, payments, and interests transferred to the investors and to Bank, of which these credits are derived from my Trust and my account. This constitutes as securities fraud to dishonor and not render the securities and the profits from the selling and trading and reassignment of my promissory note and floating rate notes for setoff and discharge, with satisfaction of the obligation. I was given valuable consideration and there was acceptance of my presentment, with credits to the account, and reported as paid and closed. There have been several presentments sent to the company, of which they have kept them all ( see exhibits and proof ). When XXXX, changed and misreported my balances, I spoke with them about the promissory note, and asked who is the Holder in Due course of the note. I even asked for copies of billing statements, and their XXXX. They have refused to send me any documents, to include billing statements, promissory notes, stating there was never a promissory note and billing statements are not legal. They have only sent a payoff letter, which doesnt reflect any of the true balances. The login for my account, also doesnt reflect any of the history of the payments and credits to the account, it gives an error message. I have attached exhibits of the payments and credits to the account, along with proof of the credit of XXXX tender of payment, pursuant to XXXX. XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX ], and [ XXXX XXXX XXXX XXXX XXXX XXXX ], certified securities sent in certificated form. They have recently incorrectly reported my account 120 days past due, with an incorrect balance due on the account, after refusing to work with me and send me the legal documentations required by law. In addition, they have committed fraud by transferring, reassigning, selling, and trading the securities on the secondary market

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays cant process a dispute claim. Ive spent an hour on the phone with them on same company repeatedly charging my card. I have four case numbers. Then they keep telling me claim is denied because I didnt send requested info.

When I get letter asking me to send documentation I call them again. Theres literally nothing I have that can be sent. It wasnt authorized. I have no receipts.

Theres nothing that can be provided to prove something shouldnt be happening.

Of course Ive informed them of that. They admit they made a mistake in the processing and apologize but state I need to send a letter to reopen the RegE claim.

In sum, Barclays can not process a claim. Makes it way to difficult. Denies the claim when consumer doesnt send documentation. Requires a letter to then reopen the claim.

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 2024-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Hello, I sent a payment for my XXXX mortgage on XX/XX/XXXX. I have two bank accounts linked to the account. I chose my business account. It took them 10 business days to try to draw the money at which point the account had insufficient funds. They then notified me on the XXXX that payment didnt go through. Then I switched to pay from my personal bank because I have no idea when they will draw from the account. Unfortunately, they claim I selected the same business account. On XX/XX/XXXX they reversed the payment for insufficient funds, claiming the payment request came from the business account. The software doesnt let you know which account you paid from or send you verification. I rectified the problem immediately by deleting the other account from my payment options and only putting my personal account, and then sending the payment through. 
Freedom mortgage takes 10 days to update the payment status of the account and takes a very long time to draw the money, and their inability to notify me in a timely fashion lead to the late payment. I had never missed a payment in the years that Ive been with them.

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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2024 I attempted to pay from my checking account that I used to regularly make payments, {$23000.00} I was told I could not because it was more than the balance. So I authorized a payment of the full balance due of {$22000.00}. The money was withdrawn from my bank account and paid to Wells Fargo not later than XX/XX/2024. Wells Fargo put a " hold '' on that payment and denied 2 subsequent purchases to my embarrassment claiming I could not use my credit limit because they had a 14 day " hold '' on the payment. My bank confirmed to me that Wells Fargo received the payment on XXXX XXXX. I thereupon told Wells Fargo to close my account because I will not deal with a Bank that holds my payment for " no good reason ''. Something has to be done about actions like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
This account was date opened is inaccurate.Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2024-02-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already to " XXXX XXXX XXXX '' I have enclosed my government issued ID, social security number, and affidavit of identity for verification

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already to " XXXX XXXX XXXX '' I have enclosed my government issued ID, social security number, and affidavit of identity for verification

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 2024-02-18 00:00:00
Product: Credit 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: U.S. BANCORP
State: VA

Complaint narrative:
I purchased an item from XXXX in XXXX for XXXX XXXX It was an emerald gemstone and covered by the XXXX purchase protection. I asked the seller not to ship, but they did anyways..I spoke to customer support at XXXX, they tried to step in and confirm it would be delivered. When it was delivered it wasnt as described, the color was off, the intensity was off and the cut was just not at all perfect. There was a chunk taken out of the back that wasnt right. So then I opened a dispute with XXXX. XXXX was taking forever, asked that I work it out with the seller but then they delisted their items and disappeared- they didnt want to accept a return. I bought the item through XXXX with a credit card from XXXX. So I flagged it to XXXX after XXXX took a long time and then I disputed it with Fidelity/elan. XXXX still hasnt responded but they said XXXX said I could mail it back for a full refund. I accepted. While all of this was going on I opened a dispute with fidelity the credit card company so that the charge wouldnt process while all of this was being figured out. I provided the tracking number and everything. Instead fidelity reversed the charge a day before the billing statement would be paid in full and mailed me letters saying they needed more information and threatening consequences if the item wasnt paid for. I called representatives again at fidelity this morning. I had already given the tracking number a month ago and first they claimed I didnt mail them a form back- then I spoke to someone else and she- XXXX- said that the lady I previously spoke to never included the tracking information or any other information. This all feels like a big scam. Again its more about the principle. Ive provided information promptly to XXXX, XXXX and finally fidelity/elan. If they did an investigation wouldnt the other entities give them this information?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Funds get frozze up. Its been XXXX month by now. 
We deposit some checks on XXXX and cant verify providers. 
We brought provider inside bank. and dont talk to him, at all, nobody help me The bank said they cant verify with his system and they dont give my money. Each check have the phone number and information but they cant do it anything if his system not accepted the info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, transunion and experian are reporting different dates on the last payment made on the XXXX XXXX  card of the closed accounts. 
Transunion shows the last transaction as of XXXX XXXX. 
XXXX states last payment was made on XX/XX/XXXX. 
XXXX reports a complete different date, experian reports last payment was made XXXX of XXXX. Please correct the inaccuracies or delete the account. 
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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX and XXXX are reporting different dates on the last payment made on the XXXX XXXXXXXX card of the closed accounts. 
XXXX shows the last transaction as of XXXX XXXX. 
Equifax states last payment was made on XX/XX/XXXX. 
XXXX reports a complete different date, experian reports last payment was made XXXX of XXXX. Please correct the inaccuracies or delete the account. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: OH

Complaint narrative:
Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update 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 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Not letting me withdraw my own money from account on Sunday XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: PA

Complaint narrative:
This credit card was opened fraudulently without my knowledge. I spoke with the company before and they agree to close because this was a result of identity theft. It was removed off of my report and everything was fine. But now it is back on my credit report and is affecting me really negatively.

Company response to consumer: Closed with non-monetary relief