vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: CA

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. The credit bureaus had 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX originally sold an account that was opened in my name by someone who stole my identity to XXXX XXXX XXXX reported a delinquent account on my credit report for {$70.00}. Now they sold this fraudulent account to IC System Inc. and claim that I now owe {$770.00}. I told them that this was identity theft. They said that it's for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska. I told them that I have never lived there or visited there in my life. I called XXXX XXXX myself and they said that they only do online disputes with a police report. That since they merged with XXXX XXXX XXXX, they can't file a complaint over the phone and that they only have limited access. I filed a police report with the XXXXXXXX XXXX XXXXXXXX and already sent it to XXXX XXXX. IC System says that there's nothing that they can do. The collection company refuses to delete this account from their files. The collection company should be able to verify and dispute the account themselves, since they are the ones who now are trying to collect this debt. I am in the process of applying for a home loan and this has derailed everything. This is a living nightmare. XXXX XXXX XXXX XXXX should be held accountable for not fully verifying the identity of the person when this account was opened. I'm sure that I'm not the only victim. I have also filed a dispute with XXXX XXXX and the case # is XXXX. It is impossible to contact XXXX XXXX by phone.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: VA

Complaint narrative:
Upgrade Inc. aka XXXX XXXX XXXX has still not administered my SIGN UP BONUS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
extend fraud alert website does not work company makes this very difficult my info was hacked from this company not protecting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: MI

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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called Equifax to remove a dispute and was told it could not be done after initially being told that it could be removed. I got several different answers and finally spoke to a manager who said it was a process and could not be removed despite the owner of the credit which is me that I could not get it removed. This is ridiculously. I hate Equifax. Plus they have untrained staff overseas that know nothing. I got a different reply each rep I talked to. Get rid of Equifax. We dont need 3 different bureaus to many causes for errors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CA

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. The credit bureaus had 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

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 2023-02-24 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: CA

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. The credit bureaus had 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My personal checking account was charged monthly fees for about 1.5 years at $ XXXX, incorrectly due to Chase Banker fraudulently converted my account without informing me any information about the fees, giving me wrong information about my personal account was linked to my business account, so my balance was never low and shouldnt be charged any fees. 

I used to be XXXX XXXX XXXX XXXX ( XXXX ) client at chase, with all of my accounts linked, I was never charged any monthly fees. One day my private banker XXXX XXXX XXXX ID XXXX from XXXX MI office called me to inform that I need to deposit almost $ XXXX to my account to keep the status. I told her that it doesnt make sense for me to do that. Over the phone, she said I will just convert your account to a regular account, give me the impression everything should be the same, no fees since all of my accounts are linked, and the minimum balance requirement is low. Without explaining anything, she rushed to hang up and converted my account to Premium checking, which I had been charged $ XXXX XXXX since XX/XX/XXXX to XX/XX/XXXX. I was wrongly charged almost {$400.00} fees and I barely used the account. 

I talked to Chase in person at two branches and over the phone multiple times over this issue. I was told my business account and personal were not linked at all, if they were, the fees could have also been avoided. However I was still never provided any information regarding my account fees nor made them transparent to me. The branches were able to refund some of the fees. As of today XX/XX/XXXX, I am still owe {$120.00} of the fees from XX/XX/XXXX to XX/XX/XXXX. I would also like to receive cost of my time and gas to handle this issue {$120.00} over at least 15 hours, plus 5 % interests of the total fees charged to me. This will be {$270.00} in total.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reported to XXXX that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.

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 2023-02-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reported to XXXX that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX fraud alert website does not work company makes this very difficult my info was hacked from this company not protecting

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 2023-02-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been in contact with Experian and complied with their necessary requirements and steps to handle this matter all in which have failed and resulting to me disputing and addressing this again. 

XXXX XXXX XXXX XXXX OH XXXX Isnt my Address its my mothers XXXX XXXX old address in which that being my mom that address is linked to me! In which I havent lived with my mother in almost 10 years and not at that address.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am filing a complaint against TD Bank for the following reasons : - TD Bank allowed " {$500.00} '' to be stolen from my account. 
- TD Bank lied to me about their investigation. Stated that they reached out to the parties involved " cash app '', however upon following up with the involved party " cash app '', they stated that they have no record of TD bank ever contacting them in regards to my account. Therefore, TD bank did not conduct a thorough investigation on my behalf. 
- I had to open a new account with TD bank to make sure my money was secure. However, when I opened my new account, TD Credit Card Services continued to attempt to bill the closed corrupted account. Despite numerous efforts by both myself and my TD bank associate TD Bank XXXXs Software continued to revert billing to the closed corrupted account. ultimately, posting a " late payment '' notice on my credit dropping my XXXX XXXX by XXXX points. 

I have spent over 50 hours in an effort to retrieve my stolen money, secure my account, and correct TD bank 's billing mistake to fix my credit. My information and TD Bank 's documents regarding this entire process have been mishandled and lost. This should be criminal and must be brought to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
there are several late payments showing on my account innacuratly during the COVID protection period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
there are several late payments showing on my account innacuratly during the COVID protection period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CA

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

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX - {$470.00} XXXX XXXX : # XXXX - {$0.00} 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 explanation
Consumer complaint received 2023-02-24 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXDept of Ed : 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 XXXX XXXX # XXXX, XXXXXXXX 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 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 explanation