vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.

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 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( XXXX ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

In accordance with the Credit Reporting act Credit Collection Account # 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.

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 records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

In accordance with the Credit Reporting act Credit Collection Account # 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.

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 records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been receiving calls since XXXX from various fraudulent debt XXXX attempting to collect on a line of credit I never opened with HSBC. They tell me I opened it in XXXX and the debt owed changes with every phone call. XXXX time it will be {$3000.00} and with the next call, it will change to {$1600.00}. I've never had a credit card with HSBC. The calls stopped in XXXX of XXXX, but they have started up again. This time the credit collector calls itself XXXX XXXX. They called me on Friday, XX/XX/XXXX. When I began to ask questions to the person, the tables were immediately turned to make THEM look like the victim. When I told them to stop harassing me, they told ME I was harassing them for asking questions! I know what I was doing in life during XXXX more so than these strangers and I know I never opened a line of credit with HSBC during that year. I just want the calls to stop. I am currently suffering from both XXXX XXXX and XXXX XXXX. These calls cause great stress and affect my quality of life. I do not need the stress they put me through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : MIDLAND CREDIT MANAGEMENT Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: SC

Complaint narrative:
I received a live check in the mail for installment loan, cashed it and never signed anything for a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
On XX/XX/2022 I received a copy of my consumer report from Equifax. I proceeded to request a dispute of several items I found to be in violation of several consumer laws. On XX/XX/2022 I receive dispute results saying " WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' and " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' Another report dated XX/XX/2022 also states the same thing, even though I specifically pointed out that these accounts listed, do not have my written instructions to be reported in Violation of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604.a.2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OZK
State: NC

Complaint narrative:
Bank of Ozk This company opened a checking and savings account for me and then months later asked me to verify my address. I am currently being forced because of COVID and the horrible mortgage industry and a car accident to live in a hotel. I was asked to send this company proof of address to the address I gave them. I sent them my XXXX bill and my XXXX checking account. This company then took it upon themselves to close my account with out warning and I never received a call or a letter and thank God I did not close my XXXX  account or I would have no way to get my direct deposits. This bank should be penalized and warned about this type of unscrupulous behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion XX/XX/2022 Tried calling TransUnion to get fraud ( hard inquiries on XX/XX/2022 ) removed from my account. They stated that they can not do it without written authorization from the banks. I am unable to get in touch with the banks ( XXXX XXXX, XXXX XXXX Bank ) to get 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 2022-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Theres XXXX car dealerships I have issues with XXXX XXXX XXXX earlier this year in XXXX went there looking for a cash car they took XXXX dollars from me they took advantage me at the time because I was desperately looking for a suv they didnt tell me the car was as Is and the car broke down on me the next day I got it they also didnt tell me that they didnt have a 30 day return policy and they also is false advertising none of the vehicles are cash like they say American dealer sold me a car with a different vin number they was under investigation and took my car from me after I made all my payments they lied to the finance company west lakes financial saying I didnt want my car anymore and that was a lie so all my car payments when down the drain because they were doing fraudulent activity with the vin numbers on the cars and didnt want to get caught they made fake letters making it seem like the company was writing those letters and the company never wrote the letters I recently got a car in XXXX from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I was making payments but my loan wasnt going down can you please pull my contracts from all XXXX companies 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 2022-10-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}

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 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish can account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish can account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The 4th dispute and request from Transunion for validation or to remove XXXX on my file ASAP : This letter is in response to your recent claim that XXXX XXXX XXXX Georgia verified the account they are reporting is accurate. The letter I received from XXXX XXXX XXXX Georgia states this did not take place. I have contacted both XXXX XXXX XXXX Georgia and XXXX XXXX as you keep having me chase them when it is your responsibility to do this before adding anything to my credit report. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request 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 and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. It is not legal to place items on my credit that has not been verified from the creditor listed and you have continue to give me false information. 

In compliance with this method of investigation request, please provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

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 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: VT

Complaint narrative:
I am working with XXXX ( XXXX XXXX XXXX XXXX ) which has approved me to cover all back mortgage payments and bring my account current. In order to do so, my mortgage company ( 21st Mortgage Corporation ) needs to respond to their request for information. This outreach has occurred via fax and email, multiple attempts over the past months ( since XX/XX/XXXX ). 

When I contact 21st Mortgage directly, they state that outreach has not occurred, and will not provide direct contact information for where future outreach can be sent. Additionally, I am working with Vermont Legal Aid, who is able to help facilitate if a name of an individual or attorney who is managing the account is provided, but again, the company will not disclose this information. 

This would allow me to bring the account current, however as 21st Mortgage is not responding to outreach to anyone other than myself, despite having the appropriate permissions in place, I am unable to access the support that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was on checking and savings accounts with my Mother. She passed away on XX/XX/XXXX. I also had Power of Attorney for my Mom 's Estate. 

On XX/XX/XXXX, I sent a letter to the Bank explaining the situation and asking that the accounts be closed and the proceeds sent to me for distribution. I included copies of my Mom 's death certificate and Power of Attorney, along with identifying information for the accounts. A few days later I received a phone call from a " Life Events Specialist '' acknowledging receipt of the letter and inviting me to call her with any issues. After several weeks of hearing nothing, I called the specialist back at least three times, but never received a return call or email. 

On XX/XX/XXXX, I sent a second letter to the Life Events Department by Certified Mail, asking that they contact me about the status of closing the account. I also sent a number of emails, both to the generic email address for the Life Events Department and the specialist who originally called me, but again I received no communications. 

Frustrated, I simply transferred the savings account balance into the checking account, and wrote myself a check depleting the account. 

Now I am getting letting from the Bank charging me monthly fees and threatening that if I do not pay them, I may be subject to "... Overdraft Paid Fees, collection efforts, and we may report your account to consumer reporting agencies. This could impact your ability to obtain service at other financial institutions. '' It should not be this difficult to close a small savings accountant and checking account, and at every least, I desire the courtesy of a return communication to my multiple letters, emails and telephone calls. I would appreciate any assistance you can provide. 

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 monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Navy Federal Credit Union has removed and blocked my access to the closed credit card in my name. They have blocked/removed my access to see statements and transactions, regardless of the balance due, and refuse to provide access to statements in order to use them as proof of unauthorized activity or to dispute charges. All statements prior to XX/XX/2021 are deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation