vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a XXXX XXXX XXXX XXXX looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting 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:
Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a soon to be father looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX has reported two invalidated accounts on my credit report XXXX who is now in Dishonor for refusing validate an alleged debt which has been charged off. XXXX has refused to show proof of original creditor as well as ledgers proving this alleged debt was not funded by my consumer signature and social security number. 

2.LVNV funding ( Resurgent ) XXXX XXXX XXXX XXXX  XXXX Is in dishonor for refusing to validate or show any lawful contract in obligation to an alleged debt as well as XXXX XXXX XXXX XXXX Having any claim as original creditor by refusing to validate through proof of ledgers and proving consumer borrowed any lawful money and that it was not fraudulently created and funded through consumers social security card and or signature XXXX  is also publishing false information of addresss and names XXXX XXXX XXXX XXXX XXXX XXXX not even a real person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
This complaint is a follow up to my earlier CFPB complaints number XXXX filed XX/XX/2023 and complaint number XXXX filed XX/XX/2023. 
The complaint is about BOA predatory action towards my request for a loan modification coupled with a flagrant abuse of discretion by the modification department and total disregard to their responsibilities to assist homeowners and facilitate the modification process. Please refer to what I wrote in my prior complaints to get the full picture of my struggle with BOA. This complaint is specifically about BOA continued predatory, intimidating and demeaning behavior to customers, I implore CFPB to assign legal council to review my situation, it is 100 % predatory and abuse of discretion. 
The last correspondence from BOA was yesterday before midnight as the always plan by design to email these notices on Friday 's. 
The context of the letter simply allude that have none of the information I submitted for the 120 days and consist of 55 separate submission via XXXX that I paid for, each submission had multiple documents, statements etc ..., BOA XXXX XXXX ( Home loan team ) letter simply states that unfortunately they are no longer able to review my application for help with this home loan due to the followings ; Unable to verify income, employment and ownership of the property. Those reasons are totally erroneous, I have spoken with XXXX XXXX over 50 times and I sent her everything she asked for to her full satisfaction! What happened Now? I am attaching to this complaint most of the submissions for your legal council to review and intervene. What BOA is doing is illegal, intentionally predatory, abuse of discretion and disrespectful to their customer must read and examine my claim, it gives a very clear picture of the wrongdoings by BOA.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These Accounts have violated my rights According to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA. 
Also, in accordance with the Fair Credit Reporting Act. These Accounts has violated my rights. 
15 U S.C 168Q 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 NOT INSTRUCTED ( TRANSUNION, XXXX, OR XXXX ) TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER 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 2023-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Sent a certified letter requesting Debt Validation The debt validation letter includes : The amount owed.

The name of the creditor seeking payment.

A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact.

A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail.

A statement that if you request information about the original creditor within 30 days, the collector must provide it.

Received a letter back stating my request was frivolous. I paid this off and do not owe!! Waited long periods on hold trying to speak with them, sent email but did not respond within the timeline they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I HAVE CONTACTED EXPERIAN ABOUT THE WRONGFUL INFORMATION THAT IS REPORTING ON MY REPORT. PERSONAL INFORMATION I HAVE NEVER LIVED AT XXXX XXXX XXXX, XXXX GA XXXX. I DO NOT KNOW ANYONE THAT DOES.THERE IS SEVERAL SSN REPORTING ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME XXXX, MIS SPELLING OF NAME XXXX XXXX XXXX. THIS IS HINDERING MY CHANCES OF BUYING A HOME AND EMPLOYMENT OPPURTUNIES. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit 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 2023-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have an ongoing problem with my other half who has hacked into many accounts and canceled payments- I could have fixed this if I would have received a email, call, letter something from the company ( lowes which Ive had the account sine XXXX  and have never had this happen- Ive never been late, or missed a payment or had a payment canceled.. I only found out by going into the account today and they said someone cancelled the 2 payments back XXXX XXXX I have great credit.. this person has created XXXX  in my life and families lofe

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 2023-10-21 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Upon checking my credit report I seen things that are reported that are not suppose to be there. I don't know where these accounts came from, I reported to police station that my identity has been compromised and filed a report. I sent off letters to the bureau on XX/XX/XXXX and these accounts still have not been removed. The following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called XXXX XXXX and asked them to remove this from my credit report and I have already paid the credit card off and I don't owe XXXX XXXX anymore money.

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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I pay my monthly American Express balance in full each month via their app on my phone. The last statement indicated the due date was XX/XX/XXXX. I paid the full amount ( {$14000.00} ) on XX/XX/XXXX. The next statement included a {$380.00} finance charge and a {$29.00} late fee. I informed American Express by phone & was told there would be an " internal review " & I would be notified ( this was on XX/XX/XXXX ). I received no notice & called again on XX/XX/XXXX. I was told that it was declined and that the interest & late fee were due. In addition another {$190.00} was added as what they called " trailing interest ''. The only remaining balance during their review was the previous interest & late fee. So the balance now has increased to {$610.00}, none of which I feel is warranted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I disputed a charge from an ATM where my card from Chime was used but no money was ever dispensed. Chime immediately denied my claim and debited my account another XXXX dollars leaving me in the negative. I asked for the information used to deny my claim and none was ever sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I'm unable to check my finances on my banking app. The problem is the banks online banking staff won't allow me to have my password reset information sent to my current phone, but always notifies me that I can only get this information through a phone I no longer use. This online banking app is the only way I can keep up with transactions and keep up with where current finances are. For the last 3 years customer service has taken my new phone information and advised me that 3-5 days the issue will be fixed and it never does. I've called customer service numerous times to deal with the issue. At times the customer service will hang up the phone mid call. Last time I called and told them I'm trying to have the 'password reset ' information sent to my new phone they told me the same thing they did the last 3 years. I told her my concerns that she's telling me the same thing the last string of customer service reps told me. She let me know the higher departments of the bank make discretionary decisions on these kind of matters. 5 years ago I tried to get my money out of the bank and tried to get it transfered to a local credit union. They stalled and for an unknown reason the transfer never happened. How am I able to get to the bottom of this issue. The bank I'm with is called XXXX XXXX XXXX. U.S. Bank XXXX XXXX is a XXXX or XXXX, reloadable prepaid pay card program that provides an alternative to paper checks etc

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion has not updated my accurate credit report after my identity theft. The other credit reporting agencies have corrected them after I followed the process to correct my credit report. I have been unable to get anyone on the phone to help and their website is an impossible maze that is not user friendly, that always leads to a dead end.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX {$10000.00} 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, 1681section 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 an 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 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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Credit application denied ... .no follow up, etc Scams, unethical, retaliation, blacklisted blocked persecuted ilegally restricted victimized forgery Application about 3 weeks ago Identity theft, defamated

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
Credit application denied ... .no follow up, etc Scams, unethical, retaliation, blacklisted blocked persecuted ilegally restricted victimized forgery Application about 3 weeks ago Identity theft, defamated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These Accounts have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA. 
Also, in accordance with the Fair Credit Reporting Act. These Accounts has violated my rights. 
15 U S.C 168Q 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 NOT INSTRUCTED ( XXXX, EQUIFAX, OR XXXX ) TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation