vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Since Ive begin complaints against Equifax with CFPB. Equifax has blocked or locked my credit profile. I believe it out of spite. I have attached my drivers license ( front and back ) my most recent bank statement and paystub to verify my identity and residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Total Card, Inc.
State: TX

Complaint narrative:
This account is reporting a {$540.00} balance to XXXX. XXXX and XXXX show a {$0.00} balance. So I dont know why they are refusing to correct XXXX. This account was charged and sold to a collection agency. The original creditor is not able to continue reporting a balance owed if the debt had been sold to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: PA

Complaint narrative:
XXXX Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-07-13 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:
In accordance With The Fair Credit Reporting act. The list of account below violated my federally consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
IC Systems is trying to collect a debt from XXXX XXXX for a service that was canceled 4+ years ago. This was paid when we switched our services, and they were in the process of merging with XXXX XXXX XXXX. The collection was placed last year under XXXX XXXX XXXX. I disputed it with XXXX and it was removed from my credit report. They reported it again this year under XXXX XXXX with a slightly lower amount. I have disputed XXXX with XXXX, with proof that they deleted it last year, and reported again this year, and XXXX will not remove. This is an unfair practice, as they can not just reduce a non existent debt and under XXXX different company names.

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 2023-07-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-07-13 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: DE

Complaint narrative:
On XXXX i requested for inaccurate information to be deleted not be reporting on my consumer report. I am writing to bring to your attention an urgent matter concerning inaccurate information present in my credit consumer report, which has been causing significant damage to both my creditworthiness and personal character. 

Upon reviewing my credit report, I discovered multiple instances of incorrect information, specifically regarding names, addresses associated with my account. It has come to my attention that my report contains names that do not belong to me and are therefore inaccurate and misleading. These inaccuracies have raised concerns about the integrity and reliability of my credit history. 

I would like to emphasize that I am the sole individual who can validate the accuracy of the information within my credit report. Their inclusion is not only factually incorrect but also potentially harmful to my creditworthiness and reputation. As a responsible consumer, these discrepancies are tarnishing my credit report, making it difficult for me to establish my true creditworthiness and reliability. I kindly request that TransUnion undertake a thorough investigation into the inaccurate information contained in my credit report and take immediate action to rectify these errors. Specifically, I urge you to delete the names and address that are not mine and update my credit report with the accurate and verifiable information that I provide. Doing so is crucial to ensuring the integrity and reliability of my credit history and preventing any further damage to my financial standing. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and correct any inaccurate information on my credit report and that all information reporting must be 100 % accurate Therefore, I kindly ask for the incorrect information be removed thank 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 explanation
Consumer complaint received 2023-07-13 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is a follow up to my previous complaint with regard to the settlement for homeowners who were unfairly denied loan modifications on their mortgage. I reached out to the Wells Fargo team in order to resolve this issue with a detail reason why I'm making my case. The bank supplied me with a copy of my signature accepting the deferment option, which i don't dispute its the fact that i explained to them in letter form that after repeated attempts to get a better resolution, out of frustration i just gave up.

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 2023-07-13 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: Zions Debt Holdings
State: IN

Complaint narrative:
Where do I start. My Person information was hacked via several companies since XXXX. XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX ) ; and IHA ( XXXX ). I have been fighting a credit nightmare with XXXX debts that are fraudulent every since. By : ( XXXX XXXX XXXX {$2600.00} ) and ( XXXX XXXX XXXX {$1000.00} ). I having been " Disputing '' having fraudulent reports removed by credit bureaus ; only to have them resurface year after year via the same collection agency or a different collection company, who so called purchased the debt. from the one in which was previously disputed and removed. I know, its ridiculous, and even more concerning that the credit bureau are allowing this process without cross referencing them as a previously disputed and removed from my report under the same name, and or a duplicate disputed collection removed under a different name. Please help! I worked so hard to be economically responsible ; only to spend a ridiculous amount of time disputing obvious fraudulent reporting in efforts to intimidate and fraud innocent consumer out of their hard worked finances and to tarnish their credit history.. As a consumers, the current resources the credit bureau have XXXX place are not in the best interest of consumers who have been victimized over and over by hackers, scammers and collection practices that not only operate unethically ; but also abuse their ability to report debt prior to proof of identity ; and or ownership of reported debt in and attempt to collect via theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/XXXX I accidentally paid my Apple Card twice. The scheduled payment feature is unclear. It appeared like I was editing a scheduled payment, when in actuality I was making an additional payment. There was not warning pop-up saying, " are you sure you want to make XXXX payments on XX/XX/XXXX? '' or something similar. 

On XX/XX/XXXX I noticed that my bank account was now overdrawn which drew my attention to the scheduled payment error. I immediately contacted Apple Card Services over the phone and was told they could not issue me a refund on their end and to call my bank. I knew this was not going to resolve the issue but I called XXXX anyway. They said that it was on the vendor ( Apple Card ) to return the funds upon my request. I know it is possible for creditors to return funds to clients because something similar happened to me with XXXX XXXX  and they returned my money into my account the next business day. I then contacted Apple Card via the text feature the same day. This costumer service representative XXXX XXXX XXXX finally created a refund request for me saying it would take 3-10 business days. 

On XX/XX/XXXX I reached out again to get an update since I was not sent a confirmation email that a refund request was sent, so I had no evidence to confirm whether an actual refund request was made. I asked if this rep had any idea how long it would take to get refunded. This customer service representative ( Danielle ) told me that she saw a date of XX/XX/XXXX. 

On XX/XX/XXXX I checked my bank account and the previously confirmed refund was not in my account. I reached out again via text. Was transferred three times to different representatives after telling each of them that I was told I should have my refund by today, XX/XX/XXXX. I was ultimately informed that it would take up to 14 calendar days from the date of issuing the request, ( which I know is 10 business days. ) I asked if this was the company policy to take such a substantial amount of time to resolve costumer issues, this is not a small company, it is Goldman Sachs. To which I was told, " We are a pretty new card and differ from most card companies tremendously. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had XXXX chase accounts and my account was being garnished for a debt which was on my personal account. Following that I had deposited a check from my car insurance for car repairs in the amount of about {$2100.00} from XXXX. The check cleared and chase froze and closed my joint account. Following that my personal account was cleared for garnishment and and I have a total of {$380.00} of my personal money that I can not access. Chase has tried to get signatures for the check from my lender by calling and the lender will not answer my car is no longer in my possession due to repo and I explained that to both XXXX and chase no one will budge and give me my funds. This has gone on long enough. Ive complained before got a case number and still have yet to hear anything back from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've been disputing inaccuracies for a little over a yeah with XXXX. 
This is my final attempt to remedy this reoccurring issue with them. 
I've recently submitted a dispute with all my verifying docs, court paperwork, and police reports on all inaccurate information and fraudulent accounts. I sent this information last Friday XX/XX/2023 sent certified mail and they received it Monday XX/XX/2023 per my tracking. 
I need all inaccuracies and fraud accounts removed from my credit file immediately, even from their rent reporting bureau as those accounts have been paid. 

Per The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

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 2023-07-13 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: NV

Complaint narrative:
I've been disputing inaccuracies for a little over a yeah with XXXX. 
This is my final attempt to remedy this reoccurring issue with them. 
I've recently submitted a dispute with all my verifying docs, court paperwork, and police reports on all inaccurate information and fraudulent accounts. I sent this information last Friday XX/XX/2023 sent certified mail and they received it Monday XX/XX/2023 per my tracking. 
I need all inaccuracies and fraud accounts removed from my credit file immediately, even from their rent reporting bureau as those accounts have been paid. 

Per The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ADP Inc.
State: NY

Complaint narrative:
this company is now showing me the process of there investigation there not answering my email requesting provisional credit I know someone withdrew my money from my account. this company only showing me where it was taken from and not proof of the investigation nor will they answer my emails. They only want me to reply to there letters and request but when I try to communicate with them they ignore all my request. Every time I ask them a question they ignore my request. ive called this morning they ignored my questions again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK CORPORATION
State: MI

Complaint narrative:
I have two mortgages with SouthState Bank and make a recurring electronic payment monthly for my loan amounts. In XXXX, they sent a duplicate escrow check to my insurance company. My insurance company returned the money in XXXX. Because my escrow account was short my escrow payment was increased. Their fault. 
I sent a message to SS Bank Sent At : XXXX  XXXX XXXX Topic : Escrow Analysis Subject : duplicate check to my insurance company Message : My insurance company mailed you a check for the amount of the duplicate escrow overpayment of approximately {$1900.00}. please let me know you've received it and are processing it., sent another one a week later ended up getting a response on XXXX XXXX i called on XX/XX/XXXX or so, and the rep said she saw the problem, and would get the returned check applied and the escrow recalculated for my XX/XX/XXXX payment. I checked my account and the payment i made is pending due to it being short because of the escrow. i have made many calls and today, they said the escrow has been adjusted but it's slightly higher than what it was by {$71.00}. That's fine. I went to pay the {$71.00}, the IVR and website don't accept partial payments, pay by phone charges over {$11.00} and when i spoke to a rep, her boss and her boss they all said it couldn't be waived. This is ridiculous, they want to charge me for their poor service and mistakes. Their solution to go to somewhere that sends money through XXXX XXXX or mail it in. Mail is the least secure method of making a payment and i'm not spending my time to find a XXXX XXXX place due to their mistake. SS Bank doesn't care because they know I can't find a better interest rate now that rates have gone up and i'm stuck with them. They provide horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I've been disputing inaccuracies for a little over a yeah with Experian. 
This is my final attempt to remedy this reoccurring issue with them. 
I've recently submitted a dispute with all my verifying docs, court paperwork, and police reports on all inaccurate information and fraudulent accounts. I sent this information last Friday XX/XX/2023 sent certified mail and they received it Monday XX/XX/2023 per my tracking. 
I need all inaccuracies and fraud accounts removed from my credit file immediately, even from their rent reporting bureau as those accounts have been paid. 

Per The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

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