vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim pf identity theft. XXXX XXXX XXXX has fraudulent inquiry on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Access Receivables of NC Inc.
State: TN

Complaint narrative:
15 USC 1692 G " I DO NOT RECOGNIZE '' " FALSE MISLEADING INFO PROVIDED BY DEBT COLLECTORS '' I have records of 200 plus phone calls As well text messages of the harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2023-10-06 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: FL

Complaint narrative:
n 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. 

XXXX XXXX XXXX  XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ) XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX ( HARD INQUIRY ), 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 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 2023-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Processing Services, LLC
State: AL

Complaint narrative:
Multiple phone calls from XXXX and texts. When I called the number I was not allowed to finish my sentences. I was interrupted and told if I did not pay right now I would be sued. I requested written debt information regarding this debt and settlement information and how to pay if its legitimate but I was interrupted and told NO YOU MUST PAY NOW OR NOTHING WRITTEN WILL BE SENT TO YOU. I requested written notification and stop calling me but the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want this information to be completely removed from my credit report, it does not belong to me. 

XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
THIS HAS BEEN AN ONGOING ISSUE FOR MONTHS. THE 2 ACCOUNTS THAT I AM DISPUTING ARE A RESULT DUE TO IDENTITY THEFT/FRAUD AND I DID NOT AUTHORIZE THEM. PER 15 USC 1681B YOU ALL ARE BREAKING THE LAW, FURNISHING INFORMATION THAT DOES NOOT BELONG TO ME. I DID NOT GIVE XXXX  ALL XXXX  TO FURNISH ANYTHING. LET ALONE WRONG AND FALSE INFORMATION AT THAT! I WILL GIVE YOU ONE MORE CHANCE TO GET IT RIGHT BEFORE I REPORT YOU ALL TO XXXX XXXX XXXX XXXX AND ATTORNEY 'S GENERAL.

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 2023-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS HAS BEEN AN ONGOING ISSUE FOR MONTHS. THE 2 ACCOUNTS THAT I AM DISPUTING ARE A RESULT DUE TO IDENTITY THEFT/FRAUD AND I DID NOT AUTHORIZE THEM. PER 15 USC 1681B YOU ALL ARE BREAKING THE LAW, FURNISHING INFORMATION THAT DOES NOOT BELONG TO ME. I DID NOT GIVE XXXX ALL XXXX  TO FURNISH ANYTHING. LET ALONE WRONG AND FALSE INFORMATION AT THAT! I WILL GIVE YOU ONE MORE CHANCE TO GET IT RIGHT BEFORE I REPORT YOU ALL TO XXXX XXXX XXXX XXXX AND ATTORNEY 'S GENERAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have XXXX vanilla gift cards one card I activated it had a XXXX XXXX  balance and it was used at a target not by me. I believe it was used on the XXXX of XXXX. I got another XXXX XXXX  gift card and it came with the last XXXX digits scratched off as if it was scratched off with a key and It is still in my possession but I can't activate it or check my balance. After doing research this is a big problem going on that many people dealt with either the fraud or the serial number scratched off. I have got in contact with vanilla customer service and its hard to understand them because they are from over seas also they ask for too much personal information like pictures of my id it is not a trust worthy customer service so I refuse to give them personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I want this information to be completely removed from my credit report, it does not belong to me. 


XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
New REZ lack the necessary legal documentation, specifically a deed, and have not properly filed a satisfaction of mortgage with the city after acquisition of the loan yet they are charging me a mortgage and file negatively on my credit report. Consequently, this has led to the erroneous inclusion of various liens on my credit report and several leans on the property making it impossible for me to ever sell the property because the last XXXX mortgage satisfactions were not turned in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: MD

Complaint narrative:
Im not sure how the credit bureaus did their verification method and investigation process but I strongly believe that they have furnished these accounts under a wrong credit report. 

XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit 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: U.S. BANCORP
State: TN

Complaint narrative:
I have requested a full printout of all transactions several times and they have not mailed them to me. It is a US bank account through XXXX grocery store. The transaction was made after I destroyed and disposed of the card and no contact was made in efforts to alert me of an unpaid transaction until over a year later. I am not going to pay anything unless they can provide full printed out undeniable proof that I made the transaction. Current total for the accused transaction is {$620.00}

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 2023-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It seems although things are still being put on my credit report although I did the last report. It seems someone has stolen my identity to the point where I am not sure which is which. My passport was also recently lost. Late payments are being reported to my credit bureau although I had no idea of such accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
THEY SENT ME A FAKE CHECK OF XXXX AND I DEPOSITED. AFTER 3 DAYS THE CHECK RETURNED AND THEY WIRED TRANSFER XXXX FROM MY BANK AND END UP NEGATIVE IN MY ACCOUNT. NOW THE BANK TOLD ME TO PAY XXXX $ TO THEM DUE TO OVERDRAFT FOR THE MONEY I NEVER USE. THIS IS CASE NUMBER OF MY CASE THAT WAS REPORT TO THE POLICE # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Company sent settlement form with an amount to be paid of {$220.00}. Form says it will reflect on my credit report as paid in full but that is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally complain about an ongoing issue I am facing with Credit Collections Service, a collections agency, and XXXX and XXXX, two of the major credit reporting agencies. I have been diligently trying to resolve this matter, but have encountered significant difficulties, and I hope the Consumer Financial Protection Bureau can assist in resolving this issue. 

On XX/XX/2023, I made a payment directly to XXXX ( instead of the collections agency ) for an outstanding balance, as confirmed by my bank statement and receipt. This payment was intended to settle the debt in question with the company itself, not the collection agency. I have retained all relevant payment records as proof of this transaction. XXXX  assured me this would be removed from hands, and it has not. 

Despite making this payment and having the necessary documentation, I was shocked to discover that XXXX XXXX continues to report this debt on my XXXX credit report. This has adversely affected my credit score and financial standing, making it difficult for me to access financial products and services. 

I want to emphasize that I have taken the necessary steps to dispute this inaccurate information with XXXX and XXXX. I submitted a dispute through the XXXX and XXXX website, attaching all relevant documents, including proof of payment and a letter explaining the situation. However, I have not received any resolution or acknowledgment of my dispute from XXXX and XXXX, they both keep verifying the debt. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and intervenes on my behalf to ensure the accurate reporting of my credit information. I believe that the continued reporting of this debt is in direct violation of my consumer rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance with the FCRA i would like to have them remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: AZ

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance with the FCRA i would like to have them remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, I believe someone has requested my credit file without my knowledge

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 2023-10-06 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: Ocwen Financial Corporation
State: DC

Complaint narrative:
I had a property in XXXX which I can no longer afford to pay the mortgage. The tenants did not pay rent and was allowed to continue to stay in the property for extended months. I got a Realtor who placed the property for short sale and there was an offer for the said property. The realtor contacted the mortgage company PHH Mortgage several times and was not given a response neither was the offer accepted. Some time past and the property was placed in foreclosure by XXXX XXXX. XXXX was submitted to the XXXX XXXX and it was denied. I have attached copy of the denial letter.

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 2023-10-06 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I had a property in XXXX which I can no longer afford to pay the mortgage. The tenants did not pay rent and was allowed to continue to stay in the property for extended months. I got a Realtor who placed the property for short sale and there was an offer for the said property. The realtor contacted the mortgage company XXXX XXXX several times and was not given a response neither was the offer accepted. Some time past and the property was placed in foreclosure by XXXX XXXX. Paper was submitted to the XXXX XXXX and it was denied. I have attached copy of the denial letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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:
My son received a settlement check over the past weekend. My son is currently at a mental institution. I went to visit him and he signed the check. I went to chase on XX/XX/XXXX and deposit the check. The next day I went to buy something to eat and my account was restricted. When I deposited the check, the receipt said the check be will cleared in XXXX XXXX. I went to a branch and they had computer problems that day so the clerk gave me a number to call. When i called Chase the supervisor said my son needs to call them with a cellphone that his name is registered to. My son is currently at a mental institution. He does not have a cellphone. He can call me on a patient phone. Not only has chase blocked my account but they restricted it. I can not buy food to eat. I am multiple myeloma and I am hungry. I have begged them the allow me to take some of my money from the account, and they said no. The check is legit. Now chase told me after XXXX XXXX they will close my account and issue me a check. It will take another XXXX XXXX  before I can get a check issued from them and the check will be void. The check is from the XXXX. They will closed my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a bottle of XXXX from XXXX on XX/XX/2022 for {$40.00}. They sent me XXXX bottles and charged my credit card ( AllyXXXX ) {$190.00}. I called the company and said I wanted to return all for a refund. They advertised 100 % refund within XXXX XXXX They refused, and offered to reduce the price by 50 %. I refused and asked for a refund. 

I filed a dispute with AllyXXXX  credit card. They just today XX/XX/2022 refused my disputed and send a vague letter say I did not provide enough information ( without specifying what information was missing ). 

I called today to appeal the dispute, and the Ally representatives were less than helpful. I asked for more specific information as to

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 2023-10-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
The company LVNV funding lll in the amount of {$480.00} is reporting as a collection/charge off I have asked for them to remove it, or provide me with my authorization or signature proving this is my debt and have had no response. I would like it completely removed off my credit report as it is affecting me financially and I am trying to build my credit and they refuse to help!

Company response to consumer: Closed with explanation