vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
My home was destroyed in hurricane Ian I sent the mortgage company my insurance payment and they're supposed to pay off the mortgage and refund me the difference. They've had the payment since XX/XX/2023 and have yet to complete the request hiding behind the fact that since it's a large payment it takes longer.

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 2023-03-09 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: NY

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I was notified by the 3 credit bureaus that you guys pulled my credit report. I did not authorize nor allow XXXX XXXX XXXX XXXX to pull my file. Thus under FCRA act, please inform the 3 credit bureaus that this pull was not authorize and not accurate. Please delete it off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I was notified by the 3 credit bureaus that you guys pulled my credit report. I did not authorize nor allow XXXX XXXX XXXX XXXX to pull my file. Thus under FCRA act, please inform the 3 credit bureaus that this pull was not authorize and not accurate. Please delete it off of 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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account # : XXXX In accordance with the Consumer Credit Protection laws, I am requesting immediate actions to this matter.

15 U.S.C 1681i ( a ) ( 5 ) ( a ) states that if, after any reinvestigation 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.

1. 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 15 U.S.C 1681i ( a ) ( 5 ) ( a ) states that if, after any reinvestigation 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.

1. 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 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S.C 1681 ( a ) ( 6 ) ( a ) states that a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I am Requesting : Please send all correspondence to this matter via mail XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX U.S.C 1681 ( a ) ( 6 ) ( b ) states that, as a part of, or in addition to, a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-days period.

1.A statement that the reinvestigation is completed, 2.A Consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation.

3.A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name, number and address of any furnisher of the information contacted in connection with such information.

4.A Notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and 5.A notice that the consumer has the right to request that the consumer reporting agency furnish notifications under that subsection. 
I am Requesting : Please Provide in everything writing to XXXX XXXX XXXX, XXXX, XXXX  XXXX Additional Request in writing : 1.Originally Signed Contract ( s ) and Proof of CONTRACT ( s ) 2.All Payment Statements and Complete Breakdown of original contract, changes, charges, or adjustment including dates and reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Comerica
State: WA

Complaint narrative:
Surprise charge of {$13.00} per month for maintenance fee on XX/XX/2023 and XX/XX/2023. I realized it today, XX/XX/2023. I was never given a warning that my account would be charged the fee. Nothing on website describes what it is for. I have been banking with this institution for over 10 years. I called and the representative said that this was because my balance was under {$1000.00} and this threshold was information that I apparently was given when I opened my account over 10 years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I reached out to the lender on multiple occasions regarding my financial hardship, I was deemed medically XXXX by my healthcare provider, I was unable to work and no longer could sustain a living. The repossession was incorrectly reported on my credit report and I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-09 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: Rent Recovery Solutions
State: FL

Complaint narrative:
RENT RECOVERY SOLUTIONS XXXX XXXX CLOSED ACCOUNT. 
DATE OPENED : XX/XX/2020 ORIGINAL BALANCE : {$6600.00} Collection This account is unauthorized and wasn't authorized by me. NO consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-09 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 

The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Bank XXXX Late Payment Account XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX  XXXX Bank XXXX XXXX A XXXX XXXX Account XXXX XXXX XXXX-XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX Off Account XXXX XXXX XXXXk XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 

Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 

I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Within several reports over the last couple of years which have been detrimental to my XXXX XXXX causing XXXX  and XXXX due to no fault of my own other than suffering from metal conditions that make life difficult for me to understand.This complaint has one pdf. with the two largest problems combined together should make my entire complaint understandable.

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 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Location Specialists
State: LA

Complaint narrative:
1 message was left on Monday, XX/XX/XXXX, on my phone. Another message was left Tuesday, XX/XX/XXXX, on my mothers phone. That same day, my phone was called, my daughters phone was called, my fathers phone was called and my job was called. The representative that called my job, told my coworker that I left that number as a contact. That was a lie! I called back and spoke with XXXX XXXX who identified himself as the other representatives supervisor. I told him I had no idea of what he was talking about. He said it was a debt I stop paying in XXXX. I told him I still did not know what he was talking about. He said he was going to file a judgement against me if I did not make a payment on that day. He gave me payment options and I told him I would have to call him back because I had no idea of what he was talking about. He called my job again today, XX/XX/XXXX, and told my coworker that I told him he could call me at that number. That is a lie! I did not give anyone authorization to contact me at my place of employment nor did I give permission for my ENTIRE family to be contacted. I do not know who these people are and they could cause me to lose my job. He called my phone 3 times, back to back today, XX/XX/XXXX. I want to report the lies and the constant phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I just opened a high yield savings account about a month ago. I am trying to transfer some money from this account into my XXXX XXXX account but Citi is refusing to transfer MY MONEY. Every time I try to transfer, I get an " Access Blocked, For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention Error Code MFA ''. I then call customer service and they are no help. I want to transfer my money using the " instant transfer '' method and I refuse to use the " wire transfer '' method as that costs {$25.00}. This is extrememly frustrating and I have noticed a lot of other people have been having the same problems. This needs to be fixed now Citi. Now..

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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IL

Complaint narrative:
Collection agency Helvey & Associate in XXXX XXXX XXXX XXXX XXXX, in XXXX ph XXXX XXXX Has reported a debt under my name with a different address and phone that belongs to somebody else in the amount of {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Phone number XXXX These peop! e took my identity please help me find out and take action ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
For past few months, all 3 credit bureaus have been subtracting points and give no reason, other than a generic message for all. I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. I pay off loans, leases and CC balances and lose points. Points have just randomly been taken. My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Contact has already been made to the law firm representing this company. I am currently XXXX and have been notified of a certified letter sent to me that was unable to be delivered and notice left at my front door. I currently have military orders and I have proof of XXXX XXXX which will be attached to this complaint. 
With my permission I had someone contact the name on the notice left which led me to our local court where information was given in regard to the certified letter. The letter is about a court hearing or something in that nature. One, I am unable to receive a certified letter, two, there is no way to sign a letter and three, I am protected under the SCRA. 
My orders and proof of XXXX have been sent to the court as well they were informed I am XXXX and will not be able to accept any documents or letters addressed to me as I am not currently in the country. 
My XXXX orders have also been sent to the law firm representing this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/XXXX I opened my bank account and noticed some suspicious transactions. The amount was {$14000.00}. Someone had done an external debit transfer and I did not receive any text messages in this regards. I called the bank. I asked them to freeze outgoing transactions. Next day XX/XX/XXXX, They took notes and filed a claim. They told me new accounts will be created and I needed to sign some documents. I called every since then till Tuesday XX/XX/XXXX. They kept giving me different information. They also said since there is an issue on their system, this debit external transfer is new I will get all my money back that was taken. Today XX/XX/XXXX when I called them they said investigator has denied {$9500.00}. I told the bank there was no text messages as I rely on that and how come their system can allow these external transfers to go to an unknown person. There is no profiile matching and this is a security breach. The bank said they are just front line and the notes that had was vague for ex someone used my IP address, I have virus software and use VPN to avoid this from happening, I have low vision so I am expecting Banks to safe guard my hard earned money. Now its so difficult to get my money back and US bank has not been helpful.

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 2023-03-09 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Please see attached files I have reported numerous accounts, addresses and public records on my credit report to Experian as inaccurate and unverified and Experian has REFUSED to conduct a reasonable investigation into disputes. I have a bankruptcy on my credit report reporting incorrectly. I have attached a letter regarding my request. Please either verify this public record, or, if it can not verified, remove this account from my credit report as by my right afforded to me under the FCRA

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