vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
I disputed accounts on my credit file which are currently closed and doesnt belong to me. The account was opened fraudulently. XXXX XXXX  account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX  account # : XXXX. I submitted a ftc report along with proof of my identification. The accounts weren't blocked from my credit report for the duration of the dispute investigation which in fact is a COMPLETE VIOLATION. However, I received an update for the account which stated it was verified and it would remain on my credit file. I was not provided with any proof of verification, which means this accounts XXXX XXXX account # : XXXX, XXXX XXXX XXXX  account # : XXXX, XXXX XXXX  account # : XXXX should not be on my credit file. IT SHOULD HAVE BEEN DELETED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have inaccurate Personal Information on my consumer reports. Please see attached.

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have inaccurate Personal Information on my consumer reports. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I initiated a dispute for a fraudulent charge on my credit card. The dispute was not completed and the account closed, charged off and sent to a collection agency. 

The collection agency advised that upon payment/settlement, the account will be deleted from my credit profile as a result of the fraud dispute as a courtesy as they did not have any records. I made payment and the account was not deleted. I further contacted the lender to resolve the issue and have been sent in circles between the lender and their collection agency to no resolve.

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 2022-11-09 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:
Im a victim of identity theft. XXXX, XXXX, Equifax and their non affiliated 3rd parties are violating the Fair Credit Reporting Act and the Gramm Leach Bliley Act. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
Im a victim of identity theft. XXXX, Experian, XXXX and their non affiliated XXXX parties are violating the Fair Credit Reporting Act and the XXXX XXXX XXXX XXXX. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/2017 The report shows that I was suspected of fraudulent activity, and I was the victim of a scam and not the perpetrator. I was told by Bank of America that a fraudulent check was deposited into my account which I had no knowledge of. Bank of America never reached out when this happened, but I received a notification from the Bank of America mobile app stating that a check was deposited into my checking account. I noticed I couldnt log into my mobile banking, so thats when I contacted Bank of America and they confirmed that the check that was deposited into my account was fraudulent and they will close out the account but, they also stated that I can no longer bank with them. Any other time, if there was suspicious activity, Bank of America would either call or text my mobile phone to verify if the activity was me but that did not happen this time. I have no knowledge of the fraudulent check that Bank of America reported was deposited into my account. To my knowledge, my debit card/bank account information was not compromised so Im not even sure on how this happened. I was not involved at all and if this dispute is declined, I am requesting for an investigation that will make Bank of America have to provide proof that I was involved which is not a fact.

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 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
I visited XXXX XXXX XXXX and paid what they said I owed at the time of my visit last XXXX. Since my visit, I have received bills stating that I owe more, which I won't pay since I have already satisfied my payment. They've " decided '' that I should pay more " just cuz. '' I had no insurance during my visit, so my payment was over a XXXX dollars. I do not have a copy of my payment, but they should have it on their computer. 

Also, I am confused about the nature of the bill " XXXX XXXX '' because I did not have x-rays. The visit was for XXXX, which doesn't require x-rays...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2022 I made a mobile deposit which was supposed to be in the amounts of {$80.00} into my USAA checking account. Unbeknownst to me I had pressed an extra zero on my deposit and it turned into {$800.00}. The following day I received a notice from USAA of the mistake and not my account was negative. {$120.00}. In the following days, my VA benefits for my XXXX XXXXXXXX were deposited into my checking account, bringing my account into the positive to the amount of {$830.00}. I then received a call from USAA saying that they were closing my account. But the problem lies in the fact that they are not giving me any of the money that was deposited into my account for the next 60 days. If this were any other form of tender or income I would understand that, but seeing as I'm a XXXXXXXX XXXX on a fixed income and these are protected funds, it is not okay for USAA to hold these funds from me. Me I'm in the process of being evicted from my home, I have no food in my fridge, and I've called begged and pleaded to USAA to please just give me my XXXX income and close my account. The only thing I met with is half-hearted. Apologies, and being told to go to charity or ask friends or family for money. Literally a USAA representative told me to go to a charity or to ask family or friends for money. I do not owe USAA anything, all of my accounts are paid and this is completely unacceptable and inhumane. Inhumane. USAA is a bank that is supposed to stand by those that have served this country, yet they are allowing the very people they swear to serve, lose their homes and walk the streets hungry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage was transferred from XXXX XXXX  to Nationstar Mortgage, XXXX XXXX Mr. Cooper. I received a letter from XXXX detailing their process but have received no communication from Nationstar Mortgage, XXXX XXXX Mr. Cooper prior to my payment due date. I have no loan or account number and can not login to the website to make a payment. 

The CFPB closed my exact previous complaint with no resolution saying they resolved it. Who do I complain to now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX inaccurate inquiries being reported By XXXX and Equifax, 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 Inaccurate Inquiries being reported by XXXX and Equifax Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
XXXX XXXX ( as original debtor ) account paid in full XX/XX/2022. Recorded XX/XX/XXXX, XXXX. I have credit card transaction history and paid invoice receipt. However, Wakefield & Associates will not recognize the debt has been paid to original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have a mastercard from COMMENITY BANK. COMMENITY bank has not updated to the credit bureaus since XXXX 2022. I have made payments in XXXX, XXXX, XXXX and XXXX and nothing is being reported to the credit bureau. I have spoken to the bank and I was informed that the system was updating and my report should be updated in XXXX 2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FOR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FOR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-09 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: FL

Complaint narrative:
transunion has fail to properly investigate my dispute cleaning that they verify the public record XXXX I have paperwork from the court stating that they don't verify or validate any accounts so transunios is in violation of the privacy XXXX and also there vender LCI consumer they must send me proof directly from the court and stamp to proof they verify it if they can not do that the must delete the XXXX in question

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 2022-11-09 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: NJ

Complaint narrative:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. Experian is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call experian they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my Experian credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to Experian are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. Experian seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay Experian to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX  issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by Experian and all unauthorized XXXX parties listed in the notarized affidavit and complaint.

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 2022-11-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I need clarification as to why you are reporting certain information on my credit report. Please review the following : ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? ALSO, THE ACCOUNT IS NAMED XXXX XXXX ON EQUIFAXS REPORT, WHILE XXXX IS LISTED AS XXXX XXXX. DELETE THE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 


In the past XXXX years, I have written and sent letters to all credit bureaus in regard to this particular account and to have this particular account removed, but this account is still listed on my report. I also recall making payments online with these particular accounts and paying the balance off. Though, after learning about this information on my credit report, I returned to the company site to gather more information and receipts of payments, but the information was no longer there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
I've been calling and chatting almost daily since the first week of XXXX trying to get information about payments. I'm being approved for the Homeowner Assistance funds for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX voided and reissued check XXXX via ACH to XXXX the morning of XX/XX/2022 once they confirmed all homeowners on that account were theirs and a check # XXXX that XXXX confirmed they received. As of today, only one payment ( check # XXXX ) was posted on XX/XX/XXXX covering my XXXX payment. Now my XXXX and XXXX payment are past due because they aren't applying the payments on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time.

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 2022-11-09 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: Chime Financial Inc
State: OR

Complaint narrative:
I disputed a charge. The bank provided a provisional credit for XXXX. My dispute was closed and they reversed the provisional credit twice They will not return the XXXX dollars

Company response to consumer: Closed with explanation