vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
Chex Systems is reporting that I have open accounts and derrogatory checking accounts that do not exist. I've asked for copies of account information in which they can not provide. Because of this- and I'm assuming it's fraud- there are multiple banks I can not do business with in regards to opening checking/savings accounts, HELOC 's or even car loans. Please advise.

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 2022-09-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite having turned in numerous pieces of information that are contrary to the information on my file, XXXX and Experian continue to report these errors as facts, and their mistakes are causing me to have business opportunities denied because of their error. A police report was submitted in reference to the fraudulent accounts, but yet they remain. A collection for {$3600.00} was placed on the police report as not mine and they refuse to remove it. Another report with late payment from XXXX XXXX is not my account as well. It remains on the bureau. Their score rating system is grossly off and has not been updated in months.

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 2022-09-21 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: Advanced Resolution Services Inc.
State: TN

Complaint narrative:
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-09-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: IL

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and TransUnion XX/XX/XXXX same with Last Payment Date is not accurate. XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Incorrect date opened is listed TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX XXXX No date closed listed for XXXX XXXX XXXX. Inaccurate information listed for High balance XXXX XXXX XXXX/TransUnion XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.

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 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am very frustrated with how wells fargo has treated me in this situation. My online account was XXXX on XX/XX/2015 I called wells fargo but they told me to go to a local branch to open a new one. I did but on the last day of me finishing opening up the new checking account, XXXX XXXX was in the branch, which I had no idea she was there. Then a few minutes later the police showed up but they didn't do anything to me as I wasn't harassing anyone & the banker I was working with can verify I wasn't harassing XXXX XXXX. But she complained to XXXX XXXX who sent me an ugly hostile letter, saying wells fargo is exercising its rights to close my checking account. I called XXXX XXXX but he told me in an ugly tone that I knew what this was about. This was why my new checking account was closed so XXXX XXXX could do this evil dirty trick to have me arrested at the wells fargo branch. But wells fargo has refuses to do anything to make it right. This is real frustrated XXXX XXXX harassed me falsely calling XXXX on me trying to humiliate me. I never wanted a checking account to begin with, but I was pressured into opening one. When I wanted to cash my insurance check but I was approached by XXXXXXXX XXXX XXXXXXXX for me to open a checking account to deposit into my checking account. This was criminal what XXXX XXXX and those employees did to me, at the XXXX XXXX location. Why did they allow me to open a new checking account which wasn't in the negative if I was going to be treated this way? But wells fargo refuses to take action on these employees.

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to a MatressFirm located at store XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on or about XX/XX/XXXX to buy some mattress, I decided to purchase it, at the time of check out, the sales associate offered me to finance the purchase which I did. He ran my credit and told me I was approved through Syncrony Bank. Great news, after the very first month, I noticed that the statement wasn't coming to my home. I tried to log in and my user was changed. I had to call to gain access again, when I called they told me that there was another registered address and another email address, I reported that and the fixed everything. On the following month I received the statement with a lot of additional charges, everything was ordered online. I reported that to Syncrony bank on XX/XX/XXXX. Every time I was changing and putting the correct information, somebody was logging in and changing it back and ordering from my account. I reported this to my credit buraus and also to Synchrony bank SEVERAL times, I also frozen all my credit profiles. Since then, nobody at Synchrony was able to give me a real solution, every month I was getting different invoices with different amounts, credits, charges, they even send me money back ( please see attached ) I got a zero balance statement as well. At one point I paid what they told me it was mine to just put the account in ZERO and closed it, I paid XXXX on XX/XX/XXXX and even after that they keep on sending me new bills. They sent me a zero balance statement one more time and when I thought everything was clear, they started reporting my credit and again they started sending me new bills. I asked them several times for a complete detail of my payments and charges, they were never able to send me this. 
At this time, I being completely hurt by them reporting my credit without showing me a completely detail or why they are charging me. 
Also, you can see that they have been transferring amounts and nobody can explain that and why, not even why they send me a check and a zero balance statement.

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 2022-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Sun Trust merged with BBT and they converted their systems this year. It appeared some how I had a payment missing so I requested my loan history from the inception of the loan to determine where the error was. My first request was online and was told would have to be mailed or i have to try to go to the branch. But they didnt have it and they said it would have to be mailed. So, I tried again online. I am told they have my request. But have no idea how long until or when they will be able to provide my loan history. My first request was XXXX. Again XXXX and again XXXX and again today. Problem 1. I was paperless and it is no longer available online so they are the only ones with my history since they took mine away prior to XXXX! I dont know if I have a larger problem and wont know until I get my history. To make thing worse they double debited payment in XXXX. So apparently they are struggling and clients are the ones impacted.

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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I received a phone call from a debt collection agency about a property that I owed money on in XXXX XXXXXXXX XXXX I live in XXXXXXXX XXXX XXXX, and have never even been to XXXX XXXX XXXX. The Collection Agency is called COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I suspect that this is Identity Theft as I have never been to this property nor authorized a purchase of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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:
The past 4 months my Equifax reports have been incorrect, my cc company initially tried to update my balance on my credit but was told Equifax had issues with their system. I filed a dispute 2x with no success. I attempted and called Equifax 4x each time speaking to a supervisor name XXXX ( overseas ) and a manager name XXXX. I also sent documents by fax and uploaded it online and was told by the Manager XXXX that the online portal does not accept documents which is a clear fabrication because the online portal allows you to upload any supporting document to support your dispute. The documents I submitted prove and show the balance on my credit card was paid to a {$0.00} balance back in XX/XX/2022, since XX/XX/2022 Equifax has not update my file. Ive made numerous calls back and forth to the credit card and Equifax and Equifax still has not updated my credit reports. Transition and XXXX have reported the correct amount every month since Ive been the balance. The incorrect balance is causing me a hardship due to me trying to refinance my house and my mortgage company is using the incorrect card balance against me due to Equifax incorrectly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Wells Fargo Bank NA issued a credit card to me when I did not apply for same, in XX/XX/2022. It appears to be associated with their Visa Rewards program. I've attached a copy of the transmittal. I have notified their card division that I wish to cancel the services associated.

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 2022-09-21 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
We were behind 4 payments with our previous mortgage holder XXXX Bank when they sold our Mortgage to XXXXMr. Cooper. When we contacted XXXXMr. Cooper to make a payment we were told the past due balance had transferred and they required XXXX simultaneous payments before they would allow us to make single payments. It took a couple weeks to get the funds together and it that time we passed over into the following month. When we called to make a payment we were told that they would now require XXXX simultaneous payments before they would allow individual payments. We again took time to gather the funds and contacted them again today to make the payment. They now have told us the remaining 2 months would be divided and added to the remaining XXXX mortgage payments of the year. When we stated we couldn't afford that they told us the only other option would be to file a reassessment of our mortgage but in that time no mortgage payments would be accepted. They keep making it increasingly more difficult to catch up on our mortgage and are leaving out details at every turn.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TN

Complaint narrative:
I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX # XXXX and 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 2022-09-21 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: CORELOGIC INC
State: TN

Complaint narrative:
I am a victim of identity theft, also have been affected by the Equifax Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX # XXXX and 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 2022-09-21 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My daughter is studying abroad in XXXX so we opened a student credit card for her with Chase with a {$500.00} credit limit. This has been her main source of funds for her daily living expenses since she arrived in XXXX 2022. On XX/XX/2022 she made a {$500.00} payment to the card because she was close to the credit limit. Chase credited the account for this amount but did not make the funds available to her. We called multiple times and Chase said the {$500.00} we sent in would not be available until XXXX XXXX, 2022. This is leaving my daughter without the use of this credit card - one that she is heavily relying on for food, travel and other daily expenses- for an entire week! Chase would not tell us why they are holding the {$500.00}. This looks and feels like theft of funds to us. This is my daughter 's money and they are holding it so she can not use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report

Company response to consumer: Closed with explanation