vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: OR

Complaint narrative:
I believe that I am a consumer who was negatively impacted by Equifax 's nationwide credit scoring error this XXXX. These are the reasons as follows : On XX/XX/2022 my credit score dropped XXXX points from XXXX to XXXX because my on-time payment history increased from 96 % to 100 % ( this does not make sense ). 

On XX/XX/2022, my credit score dropped again XXXX points from XXXX to XXXX because the negative payment history on my XXXX XXXX credit card was removed, my credit card utilization decreased from 24 % to 7 %, and my XXXX XXXX payment history now showed 100 % payments on-time ( again, this does not make any sense ). 

On XX/XX/2022, I was notified that my missed payments were removed which increased my on-time payment history for my US Department of Education account which dropped my score XXXX points from XXXX to XXXX ( does not make sense )!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TX

Complaint narrative:
I have contacted each of the credit bureaus to investigate the following items that negatively affect me. Not only have each of the accounts violated my right to privacy promised under 15 USC 1681 Section 602 A but they have also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. 
The accounts are : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''

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 2022-08-03 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: TX

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, 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. I have never give any written instructions or consent to have my information published publicly.

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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have banked with Truist ( formerly Suntrust, formerly XXXX, formerly XXXX XXXX ) for more than 40 years. I now deposit a rent payment from a major company ( into a personal account ) every month on or about the 1st. It is always for the same amount. This month ( XX/XX/2022 ) Truist put a hold on part of the funds for a week. In 40 years I have never had a bad deposit nor an overdraft. Why was ( are they ) Truist allowed to do this?

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 2022-08-03 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: TX

Complaint narrative:
This complaint is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

|*** See attached documents XXXX XXXX XXXXXXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXXXXXX XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 


| *** *** see attached documents

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 2022-08-03 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: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
My credit report from XXXX is showing I have debt of a credit card that I owe to XXXX and a balance of {$7200.00} Opened on XX/XX/XXXX, with is fraud and also showing late payments. XXXX is reporting Merchants Adjustments showing I owe {$580.00} Opened on XX/XX/XXXX, which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My checking account number was stolen from the mail. only after several months was it used to withdraw money from my account without my authorization. Ultimately several XXXX dollars was removed. all for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe this is one person, police concurr. Chase will give me NO information as to the specific places my money went. 

on XXXX XXXX, I reported this to Chase bank and went over all bogus charges. My account, now closed, was XXXX. 

Chase bank refuses to help recover my money despite repeated attempts, even skipping two charges in their report back to me. Even worse, without MY PERMISSION they stopped sending me paper statements. I am XXXX years old, have XXXX XXXX XXXX XXXX  and have difficulty using the computer and phone for extended periods. 
My ach withdrawals require a lot of paperwork or a statement signed by a bank officer. I never authorized these charges below in attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
https : XXXX This ad was advertising an apartment, I contacted them on XX/XX/22 to apply and they asked me to XXXX them a {$75.00} application fee which I did. When I was " approved '' as a tenant they asked for a {$1000.00} security deposit before I could see the unit and this was when I realized it was a scam. The XXXX account info is : Name : XXXX XXXX Email : XXXX They are pretending to be a man named XXXX XXXX and using the phone number XXXX and XXXX. They also sent me a picture of a fake ID with a man on it and the name edited on it on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: B&F Finance Corp.
State: TX

Complaint narrative:
AFTER MAKING NUMEROUS PAYMENTS TO B & F XXXX  AND MAKING ARRANGMENTS AFTER DUE TO XXXX AND INFORMING THEM I WAS IN DESPERATE TIMES DUE TO A DEATH DUE TO XXXX AND HAVING TO PAY FOR AN UNEXPECTED FUNERAL DUE TO XXXX DEATH. B & F CONTINUED TO CALL ME NON-STOP AFTER TELLING THEM IT WAS NOT A GOOD TIME THEY CONTINUED TO CALL NON STOP ON MY WOR PHONE AND CELL PHONE. THEY THEN CALLED MY FAMILY AND FRIENDS AND INFORMED THEM OF MY PERSONAL ISSUES WHEN MY FAMILY ALREADY KNEW OF MY FAMILY PROBLEMS DUE TO XXXX AND THE DEATH OF A FAMILY MEMEBER THAT WAS A CONTRIBUTING PERSON TO MY HOUSEHOLD. THEY EXPOSED ALL PERSONAL INFORMATION ON A RECORDED LINE TO FAMILY AND FRIENDS BECAUSE THEY THOUGHT I WAS LYING ABOUT MY SITUATION. AFTER THIS I HAD TO EMAIL THEM A CEASE AND DESIST TO STOP ALL COMMUNICATION AND THE HARRASSMENT. THEY WERE PUTTING ME UNDER DURRESS AS A CUNSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NY

Complaint narrative:
Equifax has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violated resolved. Equifax continues to report NEGATIVE information without providing the documentation I have requested from their alleged investigation from my disputes. Instead, they sent me a letter asking for proof of my identity documentation. Therefore, proving their own claims of validity of the accounts FALSE. 

VIOLATIONS - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 I am seeking {$13000.00} in damages due to the MULTIPLE violations for the accounts that you have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, Equifax has violated me with aggravated identity theft and continue to do so. 

I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Equifax must disclose my right to opt out and has committed fraud, which has no statute of limitations. 

Equifax has within FOUR DAYS to remove ALL negative derogatory accounts AND inquiries. 

THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
PHH Mortgage Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Number : XXXX I've communicated to PHH mortgage multiple times regarding PMI removal request since March/April time frame yet I believe they purposely sit on the case so that the PMI can continue to be collected while refusing to process my request timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: WI

Complaint narrative:
I received my most recent statement in the mail from Discover and noticed that the interest rate on my APR for purchases had increased from % 9.24 to % 10.75. Today, XX/XX/2022, I called Discover to inquire. The initial representative directed my call to a second representative that informed me that the United States government increased all APRs across the board by % .75. I had expressed concern to her that I did not receive anything in writing to explain why or when my interest rate increased. When I asked for it to be lowered back to the original percentage rate, she transferred my call to a manager. When I expressed my concerns regarding my APR being increased by % 1.51, he told me to watch the news and there was nothing he could do to help me because its the government and Discover has to make money too. He said he would at least look to see if I have any promotional rates, to which there were none. I have not had any promotions because I've had this card for a very long time. He knew this was the case, but told me to check back in 2 weeks to one month. This is misleading information, as he knows I won't have any special promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-03 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/2022 I paid my medical bills in full and the collection agency and the hospital told me they made a mistake and they were going to reverse the hard inquiry on my credit but they never did and I still have a hard inquiry on my credit. I tried to pay the hospital in full but they did not let me and told me to pay their collection agency instead, After this payment I was told that I should have paid the hospital directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act, my rights were 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.

Company response to consumer: Closed with explanation