vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to Barclay Card services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. 

I have the remittance receipt, XXXX post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. 

There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. 

Thank you. 
XXXXXXXX XXXXXXXX

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 2022-12-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered my info was breached in the XXXX XXXX and EQUIFAX Data Breaches and was given settlement. I have written, disputed on line and on the phone to clear up the erroneous accounts.

Addresses and accounts that have disputed have come back saying they wont look into my file. How can you verify and say evrything is correct when I dont live at those addresses and my names are wrong. 
I have sent my FTC ID Theft AFFIDAVIT along with Equifax Settlement, XXXX said to contact Bureaus and will be notified of litigations Please remove these erroneous accounts and give me my peace of mind back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered my info was breached in the XXXX XXXX and XXXX XXXX Breaches and was given settlement. I have written, disputed on line and on the phone to clear up the erroneous accounts. 
Addresses and accounts that have disputed have come back saying they wont look into my file. How can you verify and say evrything is correct when I dont live at those addresses and my names are wrong. 
I have sent my FTC ID Theft AFFIDAVIT along with XXXX XXXX, XXXX said to contact Bureaus and will be notified of litigations Please remove these erroneous accounts and give me my peace of mind back.

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-07 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 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 : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of conviction of crimes which atendates the report by more than 7 years.

15 U.S.C 1681 s -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 2022-12-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My payments and updated balance have not been reported by XXXX  to any of the XXXX major credit bureaus, from XX/XX/2022 to present ( XX/XX/2022 ). 

Correspondence is attached below, and dated XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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: FIRSTBANK
State: AZ

Complaint narrative:
First Bank paid a {$43.00} to XXXX XXXX on XX/XX/2022 from my checking account that did not have sufficient funds to cover the amount. 
I visited the bank same day and I complained about it asking to place a dispute but the bank did not do it because it was not time. 
Because of the Bank 's error I checked my bank account online many times a day and accidentally I failed a security word and I could not open my account online again. 
My phone is inactive and I could not call the bank but I contacted the First Bank many times via their email on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

I tried to contact the XXXX XXXX phone XXXX XXXX XXXX as appears the bank account was not successful. 

I found their email and received a response from the real XXXX XXXX company stating having many other people complaining about losing money which is believe a scammer is using their business company name. I did emailed this information to First Bank requesting and urgent action in filing a dispute but so far First Bank has failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On Saturday XX/XX/XXXX I reached out a an instagram seller whose XXXX name is XXXX. This individual had advertised some purses, XXXX boots, XXXX  etc. I chatted with her for awhile before coming to the conclusion that I wanted to order a pink XXXX XXXXurse and some denim XXXX. She stated she took XXXX as payment however when I tried to XXXX  her I was given an error message. Mind you I don't use XXXX. But I created the account to satisfy the business. When I messaged her and told her that XXXX was giving me an error messsage, along with a scrren shot of the message, She sent me a chime acct to send the funds to. So I asked and said I thought you only had zelle? Her response was I dont use chime. Its because I see you have chime so I ask my sister to accept the funds for me. I was directed to chime the funds ( {$210.00} ) to XXXX and an email address of XXXX. Upon sending the funds, I was told that my items would be shipped on Monday. I reached out again via instant message on XXXX and asked if my items were shipped. I got no reply. I waited a few hours and messaged again. Her response was that she had me mixed up with someone else from my friends list who ordered but she was leaving her moms house and would send me all the tracking info and that she shipped it already. So my next question was how did you ship anything? You do not have my address as I never gave it to you. I messaged her again on XXXX @ XXXX and asked for the tracking information and at that point she deleted the page. I contacted Chime on XX/XX/XXXX and explained the situation and was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On XX/XX/22 I called the company and talked to someone and explained that I did not know what the account on my credit was and that it must not have been mine. They said that they would send proof to me via email in the next day. On XX/XX/22, I called again because I had not received proof. They then told me that it was actually coming in the mail. They also told me that there would likely not be any real proof because it was an online loan and that essentially anyone who had my social security number, name, and address could open a loan in my name. I got the documents in the mail about XXXX weeks later and there was no signature or anything other than basic information included in the documents. They told me in our phone conversation that the information provided was the only information needed to prove that I was the one who opened the account. The account was paid at some point, but I have never paid the account, nor have I ever heard of either company associated with the account. I also asked them why the account still shows as an open collection on my credit if someone paid it and they said that it was just the way they did things. The account has shown a XXXX balance for at least a year but they refuse to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX Ive received a check for XXXX $ for work Ive conducted for a customer reforming around landscaping work. Prior to this I had already deposited a check the customer paid XXXX $ to my checking account ending in XXXX. I submitted a mobile deposit for the XXXX $ to my newly opened saving account. Uploaded the check admittedly was placed on a hold with a date given XX/XX/XXXX for the check to clear and time for chase to verify money was about to go through to my account. I called customer service regarding the issue they had informed me that XX/XX/XXXX the amount should post to my account and should have no problem accessing the funds deposited. Today XX/XX/XXXX contacted JP Morgan Chase regarding the hold placed on both my checking and savings account I wasnt able to withdraw the XXXX $ deposited into my savings account. I was told by the customer representative that both of my accounts were closed without any disclosure of information allowed or given. That within XXXX business days I could potentially receive a check in the mail for the amount balance left in the account but thats hypothetical if theirs a remaining balance of XXXX $ the account left with in and was close with unreasonable causes. Leaving a customer without money in their account without when or if I may receive anything. Should be absolutely illegal to close a customers account without a reasonable cause or explanation. After speaking with a supervisor informed me that a possible check would be sent to my mailing address that the account had been set in notation closed since XX/XX/XXXX. That a check possibly of XXXX $ could be sent within 10 business days following on date XXXX of XXXX. There was no possible way the supervisor could tell me if that was promised. End result me losing money for work Ive performed and depositing a check without even pay a return fee of check if bounced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are unauthorized Hard Inquiries that are currently listed on my credit report. 
These Inquiries need to be removed from my 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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
I was working for XXXX XXXX  out of XXXX Tennessee. I lost my Debit/pay card and called Money Network to cancel and asked what can I do? They told me there wasn't anything they could do but send me a check.

I should receive the check within 7 to 10 business days. It has been two years now and still no check.

I have made several calls with no help from them.

I had moved onto a house boat and have them different address to send the check. Still nothing.

They did send me an email after I lodged the first complaint with you and stated they had sent the check out XX/XX/2022. 
I replied that I had not received the check and asked what address was it sent to and had the check been cashed. Still no reply. 
Please help me resolve this matter, I desperately need the funds. 
Thank you for your attention and assistance in this matter and hope you can help me end this ordeal. 
Looking forward to hearing from you soon. 
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 2022-12-07 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:
My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 

5 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to 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 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
I was contacted by an individual who identified herself as XXXX XXXX and said she represented Williams and Fudge Incorporated. She requested contact information for a friend of mine but gave no reason as to why she wanted to contact him. This is extremely suspicious and it does not involve me. Please fine Williams and Fudge Incorporated heavily for violating the do not call act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, it all started when they mailed my final loan modification documents to the wrong address. I completed my trial and continued to make payments because that's what i was told to do by an agent from XXXX. They returned my last payment and told me because that i was denied because they never received the final documents. I told them i never received them they told me sorry we cant help you i begged them to allow me to keep my current trial and for them to resend the documents they refused. At that time i was up to date with my payments. I kept reaching out to try to negotiate months have gone by with no response from them at the end of XXXX I received a call saying that i had until XX/XX/XXXX to give them {$19000.00} to reinstate my loan modification. They gave me 3 days to come up with all money when months before they turned me down day after day month after month. Then they reached out saying we can give you a couple more days which at that point another month was added they asked me for {$23000.00} Then they reached out to me when i told them that was impossible they told me sorry that's all we can do. If they had good faith they should of postponed my sale date and its active for XX/XX/2022. They just want me to loose my home they have been playing with us all this time taking advantage of us. I was on time to solve this back in XX/XX/2022 but instead they dragged me up to XX/XX/2022. I did advised them that i was willing to start fresh they are ignoring us at this point I keep asking for an update on my auction and no one has even gotten back to me. All they want is to take my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see the attached document affidavit of truth. My notarized copy was sent certified mail and I have proof of my return receipt that it was sent and received and I havent received a response in the allotted time and Im requesting they send my {$1000.00} for violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2022 National Credit Systems , Inc agency sent me a letter in the mail, seeking an unvalidated and incorrect amount on the behalf of their client - XXXX XXXX XXXX XXXX. The letter did not contain any itemization of the bill. The letter also did not include the section on my right to dispute or to verify it. Moreover, the letter only contained the phone number and a threat of reporting the debt to major credit bureaus. The debt has already been reported to all credit bureaus two months prior the letter was sent to me. There are already three instances of false information from this collection agency. Moreover, the agency is not updating the payments that I made to the original creditor, and continues to falsely represent it to the major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
In at least XXXX different multiple instances my wife is receiving collection calls from Exeter Finance for a debt on a XXXX product. We have repeatedly advised to not call her. We don't own a XXXX and have never financed anything with Exeter Finance. In fact, none of the data matches what they are trying to collect on. Repeatedly we have requested to be removed from their phone system. My wife 's name is XXXX XXXX. We live at XXXX XXXX XXXX XXXX MI XXXX.

Company response to consumer: Closed with explanation