vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called Equifax and asked them to explain why my mortgage company can not pull my Equifax report. They told me there is a fraud alert on my account because my name is fraudulent and I have not received any information via mail, email, notifying me of any activity. The second representative told me that my account has been listed as fraud but will not give me information about the alleged fraud nor will they tell me how to fix it. Im am so tired of getting the runaround about this. Prior agent never mention a fraud, he said that there was a lock in the account and after verifying the information he said it was removed. So I tried again today to log in online and still o am receiving the same issue. I have a right as a consumer to know what is being done and by whom and to simply tell me I will not have access to my own Equifax due to fraud yeah no, going all the way to the top on this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My husband and I had a credit card for more than XXXX years with Bank of America. We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXX and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.

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 2023-08-11 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors XXXX not furnish any information relating to XXXX XXXX reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

Prohibition : a law or regulation forbidding something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: EQUIFAX, INC.
State: GA

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

I mailed in and disputed online XX/XX/XXXXXXXX XXXX XXXX with XXXX and Equifax to reinvestigate the following account : Account name : XXXX XXXX XXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 non-monetary relief
Consumer complaint received 2023-08-11 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There were unauthorized fraudulent charges made to account. Chase refused to remove these errors because they believed it to be verified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX I attempted to access my checking account to pay my bills and was unable to enter my account. I entered the login information correctly and was kicked out immediately. Received an email warning me of a duplicate session. I called the bank and went through the routine, clear your browser, etc, etc. I was told the issue would be resolved by close of business that day. I tried logging in the next morning XX/XX/XXXX and the same thing happens. I called again and was told I would receive a call from the bank. The call never happened, On XX/XX/XXXX, XXXX, XXXX, XXXX did the same thing. Could not login, called the bank everyday and was told they were working on it. That they had many customer issues to take care of and would get back to me. At this point my bills are already going to be late for payments. I asked the rep to just have my account reset. To send me a link via email to do so. Apparently that is not possible? This is ridiculous! Today is XX/XX/. I still can not access my First BanCorp account. AKA 1First Bank in Puerto Rico. The level of disregard for customers in the banking industry on this island is beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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 sent Equifax a disputed account verification letter regarding an account that was disputed with XXXX and deleted but Equifax is still reporting the account. The letter was sent on XX/XX/ and Equifax never responded to my request. I would like for this account to be removed from my Equifax report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex unilaterally suspended my account and demanded a financial review. The demand is baseless considering my credit score and history. 

After two weeks, the review remained pending, and they wouldn't allow me to have the card reactivated, even with a lowered credit limit. This is an abusive practice that can impact any person that relies upon the ability to use their credit card, especially when traveling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had three cards from capital one a Walmart rewards card with a {$1300.00} limit, a capital one venture card with a {$7000.00} limit, and even my Kohls card because capital one merged with them with a {$5000.00} limit all closed or restricted without warning or explanation. The letter I received said because they observed activity on my account that is not consistent with their expectations of usage for personal family or household purposes. Please stop using this account immediately and destroy all cards and checks associated with it. And at the bottom, it says equal credit, opportunity act. that was for my Kohls card the letters for my Walmart rewards and my venture just literally stated equal credit opportunity act thats it. oh not to mention, Ive never missed a payment. I had to returned payments because I paid them early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
They didnt put in my contract that I had the right to rescind my contract I sent them a rescind back in XXXX of XXXX they made me put a down payment down I got the vehicle in XX/XX/XXXXXXXX XXXX XXXX  they charging me to much for a used vehicle XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Convergent Outsourcing account : # XXXX XXXX  account # : XXXX XX/XX/XXXX To Whom It May Concern, This reply is in response to Convergent Outsourcing letter dated XX/XX/XXXX, which I received from your office. As a result of my investigation, I am replying with the following information : I sent the first debt validation letter to Convergent Outsourcing Inc., XX/XX/XXXX. The next debt validation letter was sent on XX/XX/XXXX, I sent a debt validation letter to Convergent Outsourcing requesting additional information. I sent a third debt validation letter on XX/XX/XXXX. Convergent Outsourcing did not respond to any of the requests sent. On XX/XX/XXXX, I received a letter from Convergent Outsourcing requesting I submit a fraud claim for the account in question. I do not have a contract with Convergent Outsourcing and will not be providing my drivers license, social security number and/or any personal information. This is a stall tactic and again, Convergent Outsourcing has had more than 3 months to provide the required debt validation information under the Consumer Protection Act. Therefore, the debt Convergent Outsourcing is attempting to collect must be removed from my credit file immediately. In addition, XXXX confirmed XXXX did not release the debt from them until XX/XX/XXXX. By law, ( 3 ) companies, XXXX, XXXX and Convergent Outsourcing can not collect on the same debt, at the same time. Convergent Outsourcing has failed to provide a signed contract by me, nor have they completed the required by law, debt validation I have requested on XX/XX/XXXX. 

Please remove this account from my credit report effective immediately. 

Respectfully, XXXX XXXX XXXX

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 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On Friday XX/XX/XXXX 1. USAA EMAILED ME A NOTIFICATION STATING THAT MY PREVIOUS ACCOUNT ENDNING IN XXXX WAS BEING REOPEND TO ACCEPT A DEPOSIT AND FOR ACCOUNT MAINTENCE. 

2. MY CONSUMER RIGHTS HAVE BEEN VIOLATED AND USAA WILLFULLY AND KNOWINGLY COMIITED THIS ACT INTENTIONALLY DESPITE OF PREVIOUS REPREMANDS AND BREAKING THE LAW. 

3. The CFPB fined USAA Federal Savings Bank {$15.00} XXXX in XXXX for reopening closed accounts without customer authorization, among other alleged violations. Rather than reopening an account when a third party attempts to deposit or withdraw money from it, the CFPB said banks should decline the transactions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/XXXX I called Mohela student loan Public Safety Loan Forgiveness program to see when my discharge letter would be mailed for the PSLF, Public Safety Loan Forgiveness program. They tried to take me off the PSLF and put me on a different payment plan. I finished college in XXXX, at that time I was a XXXX XXXX worker ( XXXX for the XXXX of XXXX ). In XXXX I began making payments on my student loan. When the PSLF first came out I signed up for the loan forgiveness. I called back to see how things were going shortly after signing up for the PSLF. They told me everything looks good and I will receive a discharge letter. 

I called back on XX/XX/XXXX XXXX XXXX they told me they were waiting on the other side to make a decision. They told me I made XXXX payments and needed XXXX more payments to equal XXXX. I told them I made XXXX payments. They said yes you did but we accepted only XXXX, had something to do with subsidizes in which all this is new. When I first signed up I was waiting on a discharge letter now this is new trying to have me to continue to pay on a different program and disregard my PSLF in which I made XXXX payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
I had {$960.00} taken out of my Chime account by an undefined person. Chime us refusing to refund money back in my account. 
Incident occurred : XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Account Name : XXXX XXXX Creditor : LendingPoint Loan Number : XXXX

Company response to consumer: Closed with explanation