vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MS

Complaint narrative:
This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with XXXX Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: MS

Complaint narrative:
This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with Equifax Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and Equifax have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and Equifax for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
This has been an ongoing issue since XX/XX/2022 I have filed over XXXX disputes I have lost over {$25000.00}. Ive tried to tell this bank that I had identity theft and somebody was going into my account using debit cards etc I spoke with XXXX XXXX XXXX who got back about {$6000.00} of my money I recently received a letter from fifth third bank, stating that an employee of theirs misuse my information, including my name, address, phone number, Social Security number, and account for their own purpose, and to be alert, and to watch out for any unauthorized activity on my statements from XXXX to 24 months etc. Ive tried to file a claim under there I identity theft insurance just to keep getting directed to XXXX. This is not Experian issue. This is the banks issue. What do you do when you keep complaining and keep filing disputes and keep talking to people and nothing gets done. Justice Has to be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: GA

Complaint narrative:
I am reaching out because I have sent out dispute letters to these credit bureaus on these dates below : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have yet received any information stating if they have verified these accounts or if the account is accurate. Upon my FCRA rights they have violated those rights that I have requested a dispute investigation on these accounts. I have been waiting to long for these accounts to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am reaching out because I have sent out dispute letters to these credit bureaus on these dates below : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have yet received any information stating if they have verified these accounts or if the account is accurate. Upon my FCRA rights they have violated those rights that I have requested a dispute investigation on these accounts. I have been waiting to long for these accounts to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: PR

Complaint narrative:
PUBLIC RECORD # XXXX XXXX NOT MINE, DELETE FROM MY CREDIT This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The above referenced accounts is not mine the public record shows other name address and social security. The incorrect listings are lowering my XXXX XXXX unnecessarily, and it is also preventing me from purchasing a home.

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 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: City Enterprises, LLC
State: FL

Complaint narrative:
City Leasing continues to call every day harassing me for payment. They have also contacted my friends and family with the attempted to embarrass me. They have come to my physical address making threats, embarrassing me and harassing me. The manager XXXX was very rude and disrespectful and threat to destroy my home if I didn't make payment.They call every day to speak to me accept Saturday and Sundays. I have a call log with all the call they make.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
added an authorized user to my citi bank credit card in late XXXX or early XXXX, authorized user was my son, XXXX XXXX XXXX ; the authorized user account was fee-free. he never used the card. on XX/XX/XXXX, i was charged a new annual fee of {$590.00} for my card and an additional {$170.00} fee for the authorized user. i contacted citi today to request that the authorized user card be cancelled -- my son had never used the card. i also asked that the {$170.00} fee be cancelled for the same reasons -- and that because the authorized user card was being cancelled the {$170.00} fee ( for the forthcoming year ) should be cancelled. 

to my astonished surprise, i was told the fee could not be refunded or cancelled! this is comparable to my being charged for a pair of shoes that i had not received and in fact had cancelled the order for those shoes, which never had been worn -- but citi saying I must pay for the shoes! 

Was told that while there was no charge for the authorized user fee last year, there is a {$170.00} fee for such a card this year -- effective, in my case, on XXXX XXXX, I talked with citi this morning after doing an on-line chat and was told that's the policy. also was " offered '' to switch cards from the $ XXXX {$170.00} card I have now to a {$99.00} annual fee card, with some unspecified portion of the {$770.00} i've been charged prorated to the " new '' card. that makes no sense. citi also told me I was notified of this change in a ten-page letter sent to me on XX/XX/XXXX, XXXX i asked for a duplicate copy. citi repsenative said she would email a copy to me. seems to me that such a major change in fees and charges should not be hidden in a XXXX mass mailing

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 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposit a check under my uncles name to XXXX. We both have the same last name, and both of us sign the back of the check. We deposited the check not in the atm, but both in person with the teller, & it went through. The funds are in my account but are on hold to verify it. On XX/XX/XXXX, i received a notice saying my account is restricted and it would be closed if that check is not verified. The only way to verify it is through caller id. His phone number shows in the caller id, but dosent show on their system. XX/XX/2012, i keep calling to customer service, to remove the restriction and verify the check, and its the same story, that the caller id does not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I filed a police report for identity theft with the XXXX Police Department on XX/XX/XXXX Incident # XXXX, with XXXX XXXX. The credit companies accepted my report and documentation that this bill was fraud. My credit went back to normal. Recently, I have again been billed by another credit company for the same utility in Texas. I am being asked, once again, to give proof that I did not move to Texas and incur this bill. I have lived at XXXX XXXX XXXX, XXXX PA XXXX for XXXX years, prior to that, I lived on XXXX XXXX XXXX XXXX, PA. I have never lived anywhere other than Pennsylvania. I have never been to Texas. I have been working for the XXXX XXXX XXXX XXXX since XXXX, which requires Pennsylvania citizenship. I use PP & L for electricity, always have. 

Today I called the collection agency ONLINE Information Services. '' I have more information this time about the fraud : Name of Company : XXXX XXXX XXXX Account Number : XXXX Amount : {$380.00} Address the utility was used at : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date for bill : XX/XX/XXXX Type of utility : XXXX The woman I spoke with said whoever opened the account has my social security number and birth date. I would like this matter to be resolved. I would also like the utility company to block any new accounts with my name or social security number. 

Another police report was filed on XX/XX/XXXX. Incident # XXXX with XXXX XXXX. I was given an email to contact XXXX XXXX by the collection agency : XXXX. Phone number for the collection agency is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
I am writing to dispute an unauthorized inquiry that has appeared on my credit report without my consent. According to my recent credit report obtained from Equifax, there was an inquiry made by XXXX XXXX XXXX XXXX on without my knowledge or authorization. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, this action on XX/XX/2023 violates my rights as a consumer. 

The FCRA clearly states that any credit inquiry made on an individual 's credit report requires the express consent of the consumer. I would like to bring to your attention that I did not provide any authorization or permission to XXXX XXXX XXXX or any affiliated entities to perform a credit inquiry or access my credit report. 

As a result of this unauthorized inquiry, my credit file has been affected adversely, potentially impacting my credit score and overall creditworthiness. The unauthorized inquiry has the potential to have far-reaching consequences on my financial credibility, which is a serious matter that requires immediate rectification. 

I am requesting an immediate investigation into this matter and the removal of the unauthorized inquiry from my credit report. Moreover, I am entitled, under the FCRA, to receive documentation verifying the legitimacy of this inquiry within 30 days of this dispute. 

I kindly request that Equifax and XXXX XXXX XXXX XXXX investigate this matter promptly and provide me with written confirmation of the removal of the unauthorized inquiry from my credit file. Additionally, I request that any adverse effects on my credit score or creditworthiness due to this unauthorized inquiry be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
XXXX, Trans Union, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, Trans Union, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Trans Union, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, Trans Union, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, Trans Union, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts

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 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Called on XX/XX/2023 to extend my XXXX disaster forbearance plan. The property zip code is in XXXX XXXX inside a declared disaster area that qualifies for invividual assistance. XX/XX/2023 as of this date no response from shellpoint and I called customer service and said I'm not eligibile. My loan is owned by XXXX XXXX, under their guidelines I'm eligible up to 12 months. I still have remaining 2 months left as of now.

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 2023-12-12 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: PR

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 confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CP XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 15 USC 1681 section 602 A States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681 s-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 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 2023-12-12 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: Possible Financial Inc
State: NV

Complaint narrative:
I am filing a complaint against Possible Finance for their failure to respond to my dispute letter, sent on XX/XX/2023, regarding discrepancies in my credit report. The certified letter ( USPS Tracking # XXXX ) was received on XX/XX/2023, but no acknowledgment or response has been provided. 

This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates investigation and correction of inaccuracies on credit reports. The failure to validate or rectify these discrepancies not only undermines the integrity of my credit report but also contradicts Nevada 's adaptation of the Uniform Commercial Code ( UCC ), specifically XXXX XXXX. 

I request the CFPB 's intervention to ensure compliance with federal and state consumer protection laws and to address this failure in upholding my right to an accurate and fair credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
My daughter and I had a joint account with navy federal since she was a minor when the account was opened. In the summer my daughter went to college. She received an email from a university account about a job offer. My daughter assumed the job was legit since it came to her university email from another university email labeled the office of student success. 

Well it turns out it was a fishing email and my daughter was scammed out of {$950.00}. I gave Navy Federal a copy of the emails and police report. They said my daughter and I would have to pay back the money. Although I was frustrated we complied.Navy federal began to withdraw from my main checking account and took my daughter 's direct deposit in an effort to get back the money. I would even make small transfers to pay the money back. In the end the bank took the last {$400.00} out of my account without my permission and closed our joint account. 

My issue is how can the bank close the account even though they received their money. When I asked the representative she was nasty and said because they can. I would like my daughter 's account reopened. The account is no longer in the negative and it isn't my daughter 's fault she was scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation