vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 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:
On XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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.

The information that is shown about this fraud bankruptcy on Equifax and XXXX is completely inconsistent. Equifax says the date filed was XX/XX/2019 and XXXX says it was filed XX/XX/2019. They also both have different reference numbers. Lastly, XXXX says the Court is US Bankruptcy Court, while Equifax says it's Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
Received a credit card statement in the mail from First National Bank of Omaha XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/22 for a balance of {$1900.00}. My identity was stolen. This is not my activity. The representative on the phone was able to flag this as fraud and close this account. I do not know what becomes of that false charge or what happens next.

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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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. 

The information that is shown about this fraud bankruptcy on XXXX and TransUnion is completely inconsistent. XXXX says the date filed was XX/XX/2019 and Transunion says it was filed XX/XX/2019. They also both have different reference numbers. Lastly, Transunion says the Court is US Bankruptcy Court, while XXXX says it's Federal Court.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This concerns Capital One Bank closing old active accounts. Just because you have had a long standing account, no other reason. Direct deposits are lost, checks will bounce, all because we did not see the one time letter, sent in a plain envelope during the summer. No other warning. 

Is this legal? How do they expect to keep customers? 

Couldnt they just make the changes internally and inform us? 
Did they have to turn our financial world upsidedown? 
Is there a good legal reason for what they did?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: FC HoldCo LLC
State: NY

Complaint narrative:
On the above morning,XXXX, I received credit alerts through my XXXX XXXX account, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX that the following companies received Auto loan requests with my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance. My credit score dropped XXXX points on XXXX, XXXX points on XXXX and it was difficult to determine on XXXX because of a collections removal, it went up XXXX points. I did not Authorize the use of my information. Spoke with XXXX XXXX and XXXXXXXX XXXX who could not verify that my information was in their system by my SS number and to report to the credit bureaus.Spoke with XXXX who wouldn't file dispute over the phone. Said they needed writing because of hard inquiries and to contact the lenders. Spoke with XXXX who was surprised because of active fraud alert on my account and XXXX me to file a FTC report who transferred me to this site

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 2022-11-01 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: FL

Complaint narrative:
Please update my personal info, delete the accounts violating the FCRA and delete the unauthorized inquiries

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 2022-11-01 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: FL

Complaint narrative:
Please update my personal info, delete the accounts violating the FCRA and delete the unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Westlake Services, LLC
State: IN

Complaint narrative:
hello my name is XXXX XXXX and my phone number is XXXX with address at XXXX XXXX XXXX XXXX XXXX in this XXXX XXXX company they are reporting to me that i owe them more than XXXX but it is not true that the loan was for a car that was defective and I return it. They have the car and they still want to charge me for something I don't have. I already talked to them and they wanted to charge me and they threatened that I would pay them they were going to report my credit and it would affect me and if they are doing it this service is affecting my credit and I need them to do it remove it and stop harassing me for charging something that I do not have. because the car was returned to them, therefore I do not owe them anything, thank you if you can help me with that please.

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 2022-11-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I attempted to use my USAA VISA card to purchase tour tickets for the XXXXXXXX XXXX on XX/XX/XXXX of this year. The purchase was through the recreation.gov web site. The bank denied the charges. On XXXX XXXX I called USAA Bank and was told the credit card couldn't be used for foregin transactions. I explained that the website was clearly a government domain with the United States and that the charges shouldn't be denied. After over two hours on the phone, I was assured the issue was resolved. 
I attempted use the credit card on successive days and it was denied each time. Repeated conversations with the customer service at USAA failed to resolve the issue. Repeated attempts to use the card by recurring or programed payments were also denied by USAA. 
During a conversation on XX/XX/XXXX, I was told I would be contacted within XXXX hours by the resolution team to correct the issue with the credit card. That telephone call never came. On XX/XX/XXXX, I attempted to use the card and again it was declined. I had to cancel the card and terminate a 48 year relationship with USAA Federal Savings Bank.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good morning my name is XXXX XXXX and im here begging for some help on XXXX XXXX i had someone hack into my account and was able to reverse some transactions and also made some fraudulent checks and cashed out on XXXX leaving me on negative i called my bank ( chase ) right away as soon as i seen some notifications saying i was on negative on both checking and savings so i called right away and they put a temporary credit back but 3 days ago they came back negative again i called spoke to a supervisor and there telling me there was a pin used and that they couldny help me after i told them i been with them for over 5 years never have i had anything like this happen to me and I asked to review there cameras and they told me the case is close and theres nothing they can do about it and i asked them if thats how they protect our money and he told me he couldnt do nothing and so ive wanted to reach out and get help because i feel like this is so unfair that i have to go thru this and not getting no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: SC

Complaint narrative:
I have email threads with XXXX going back to XX/XX/XXXX with my XXXX business account rep, his boss and XXXX trying to figure out why we were sent to collections. Our account has been set to auto-draft since XXXX. Our business account was NEVER turned off and I don't know why we were sent to collections in the first place or ever notified. It took months for anyone to figure this out. I finally told them to just withdraw the amount from our checking account because I was sick of it. Next thing I know we received another letter from a lawyer- Maury Cobb Attorney at Law. They turned it over again!?!? I was no longer able to contact XXXX. I had to mail a check. I mailed a check on XX/XX/XXXX and now Maury Cobb ( as of XX/XX/XXXX ) STILL will NOT cash the check and our CEO 's credit continues to drop. I have written certified letters to XXXX XXXX XXXX Department with no response... I mean this is ridiculous!?! Please help. I can provide all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Alabama Housing Finance Authority
State: MO

Complaint narrative:
Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. To my understanding compliance with the CARES act would required XXXX to remove the late payments from my credit report for XXXX, XXXX, XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This debt is not owed. I have resolved this collection item several times. This collection has been removed in the past and has since been sold to another collections company and was added back to my credit report and has since caused a domino affect on my credit report score. This is bullying at this point!

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 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During the period of XX/XX/XXXX to XXXX, I was scammed by fake crypto exchange and got big finance lost, most of fund transferred to us domestic bank which named as Chase bank and XXXX XXXXXXXX XXXX, I have called my sending bank to recall the wire, unfortunately I didn't get response. below is the detail transaction that is been made. 
XX/XX/2022 wired {$100000.00} to chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX XX/XX/2022 wired {$200000.00} to chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX. 
XX/XX/2022 wired {$400000.00} to Chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: WI

Complaint narrative:
Online payments are not using the account selected. I have 2 banking accounts entered for my card payment ( s ). This has happened multiple times over the past year. I am extremely careful to select the appropriate account, however when the payment is made the account is changed to the secondary account I have on file. 

This is creating overdrafts and issues with my other bank. Today my mortgage payment will bounce due to the issues with Elan 's website. I want this repaired as well as reimbursed ALL charges, interest associated with the website malfunctioning. 

When I called today I spoke to 2 people and they both told me it was my issue that I didn't select the correct account. I know for a fact that I selected the appropriate account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and make a payment. The only response I got was there is not way this can happen. XXXX XXXX XXXX I know glitches are possible and as a XXXX I know for a fact there is a glitch and the system did not use the account I selected. 

I am tired of having overdrafts at my bank because Elan Financial refuses to fix this problem. The confirmations from Elan when a payment is schedule only state payment has been scheduled. There is no confirmation number or account used. You only receive a msg stating your payment has been scheduled. 

Most recently amounts taken from the incorrect account are : XXXX XXXX XXXX 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 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am getting letters from Speed Cash regarding a debt I know nothing about. The past letter dated XX/XX/2022 says amount past due is {$1100.00}. They are also threatening to send this to a 3rd party collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I refinanced my home through XXXX and XXXX XXXX XXXX I was sent checks from XXXX to pay off credit accounts. Two of the checks were for Chase bank credit accounts. Chase paid off one account and deposited the other check in my checking account. Then, they closed the checking account and suspended my funds for the second check. XXXX, XXXX and myself have all made unsuccessful attempts to retrieve my money, to no avail. Chase says that XXXXXXXX XXXX XXXX must be registered in their system to field any calls. We all tried several different numbers, but Chase claims XXXX isn't a legitimate business. Yet, they cashed and paid off my first credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: MO

Complaint narrative:
Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. To my understanding compliance with the CARES act would required XXXX to remove the late payments from my credit report for XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I received my consumer report from LexisNexis which contained XXXX pages. In the report there were countless amounts of errors, information that did not belong to me and information that should not have been connected to me in any way shape form or fashion. I sent a certified letter advising LexisNexis of all the the incorrect and outdated information along with my XXXX issued drivers license and my social security card. A letter was sent back to me dated XX/XX/2022 in response stating that they needed additional information to start an investigation they stated the documents were either not legible, Some or all of the identity verification documents I submitted did not qualify in order to very my identity.I do not understand what additional information is needed. Also they have on my report I am married to XXXX XXXX and XXXX XXXX XXXX. I have only been married XXXX time is i still have my married name. Also LexisNexis has my XXXX XXXX XXXXXXXX XXXX on my report as sharing an insurance policy together. We have NEVER applied for or shared an insurance policy together. The list of as many of the inaccuracies will be included.

Company response to consumer: Closed with explanation