vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: 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.

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 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 2023-10-12 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: Experian Information Solutions 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.

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 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 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 2023-10-12 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/23, I tried using the Amex giftcard with {$150.00} balance on XXXX XXXX, but the card could not be used. The card showed a XXXX cent pending transaction as a result. On the same day I tried using it on XXXX for a {$150.00} XXXX XXXX giftcard and got my account placed on hold. This also resulted in a XXXX cent pending transaction. On XX/XX/23 I restored access to the account and on XX/XX/23 tried to use the same card to buy a {$140.00} XXXXXXXX XXXX giftcard and got the account placed on hold again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX an unauthorized amount of {$45.00} was sent to a recipient not known. A refund to the recipient was requested immediately when I noticed the amount in my account. I reached out to Cash App to resolve this issue the business claimed I had authorized the transaction, and nothing could be done, that I should reach out to the recipient. I explained it was a fraudulent account for Cash App to investigate the user, how was I supposed to reach out to a recipient I do not know. Cash App support team did not assist with the issue and allows fraud/theft to happen in their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I have attempted to contact this company in regard to this debt not being accurate. They have attempted to collect on this debt fraudulently when another debt collection agency had already had the debt. They opened this account and the debt was paid to the original debt collection agency, XXXX XXXX This company that is attempting to collect the inaccurate debt is claiming my account has been transferred to a lawyers office, and they will sue me if payment is not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
Lakeview Loan Servicing is again incorrectly inflating the amount of property taxes we owe. On XX/XX/XXXX I contacted XXXX and spoke with a woman named XXXX who asserted that they had received an official notice from XXXX XXXX stating that the amount of property taxes for XXXX was going to be due in the amount of {$4400.00}. However, I spoke with the XXXX XXXX tax office on XX/XX/XXXX and was informed that those notices have not even been generated yet and likely will not be until mid XXXX. I also checked the XXXX XXXX tax website and entered my parcel number to confirm this. This information has not been released yet but the amount due should not be far off from what was paid last year, which was a little over {$2500.00}. This means that XXXX is inflating my tax bill by over 56 % and as a result, they have increased my mortgage payment by over {$220.00}. What they are doing is fraudulent.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called and spoke with representative because there was a late payment on my acct and my payment was never late. I was unaware that they sent payment back once I made a payment on the account. The representative looked into the matter and advised me to dispute because it shows my payment was paid on time but wasn't aware that payment was sent back.

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 2023-10-12 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: MD

Complaint narrative:
In brief, InComm Financial Services has my funds and won't let me use the funds or even provide a way to speak with them about it. I have a " Vanilla '' brand XXXX Gift Card " serviced by InComm Financial Services , Inc. '' and " issued by XXXX XXXX, Member FDIC. '' It has {$450.00} on it. I have never been able to make a purchase with it because it has been declined for all transactions when I've tried to use it over the past several days, including in various stores, vending machines, and online. When I attempt to access information about it at XXXX it says that there is a " system error '' and to try again later. The card has a phone number on it ( XXXX ), but the phone tree never gives an option to speak to a person, and none of the automated responses are relevant. There is also no other contact information that I can find on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since Wells Fargo is the bank I was approved for financing I would like Wells Fargo to answer me and the Consumer Financial Protection Bureau with what Wells Fargo agreeing with XXXX XXXX XXXX of XXXX with? That is on page three, as it states on page three under Federal Notices If appliable to transaction, to help the government fight XXXX and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Further more under Federal Notices it says What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your drivers license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX XXXXXXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? Secondly 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? Thirdly why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. Point Five, What does XXXX XXXX in their letter to me mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau 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 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau. The company Credit Control , LLC continue to ignore my request.

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 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no association to this accounts origination or use. I never authorized this account opening. But this account is on my credit report and has been affecting my score.

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 2023-10-12 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: TX

Complaint narrative:
XXXX XXXX ( XXXX ) XX/XX/2023 Do not recognize this inquiry and need it removed.

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 2023-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
To : Ford Motor Credit Since Ford Motor Credit is the bank, I was approved for financing I would like Ford Credit to answer me and the Consumer Financial Protection Bureau what Ford Credit is agreeing with XXXX XXXX XXXX of XXXX with? That is on page three, as it states on page three under Federal Notices If appliable to transaction, to help the government fighXXXX XXXX  and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? 
Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, you may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX XXXXXXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? 
Second Point 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? 
Third Point why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. 
Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. 
Fifth point, what does Ford Credit mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to Ford Credit that either customer and or dealership said something explicit verbally and I want to know what was said to Ford Credit by XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
This is a follow-up to complaint XXXX which is now closed. USAA was dishonest in their response, nothing has been resolved and their staff is unable to close my account. I would like the information on how to close my account. 
Currently, I am unable to receive my bills due to the ebill feature that was established. I have made requests for USAA to disable the feature so I can receive my bills but they are unable to do that. This is adversely my ability to pay my bills and take care of my responsibilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: OH

Complaint narrative:
THESE ACCOUNTS IS NOT MINE AND THERE ARE SOME THAT HAVE INCORRECT INFORMATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: OH

Complaint narrative:
THESE ACCOUNTS IS NOT MINE AND THERE ARE SOME THAT HAVE INCORRECT INFORMATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: EQUIFAX, INC.
State: FL

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.

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 2023-10-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NC

Complaint narrative:
I filed a dispute with Direct Express on XX/XX/XXXX concerning XXXX unfamiliar charges totaling {$230.00} on XXXX different days in XXXX XX/XX/XXXX, all to XXXX XXXX, obviously for some electronic service or game play, numerous charges per day with most being identical in amount, I did exactly as I was instructed, completed and returned all paperwork by mail promptly. On XXXX all the charges were reversed back to my account and nd on XX/XX/XXXX the were reversed again off my card, I can not get any explanation at all. And when I ask to speak with a supervisor Im hung up on, Ive tried XXXX calls with the same behavior from customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX Account number XXXX, Still shows on my account with a balance and balance was paid in full in XXXX Of 2023.

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 2023-10-12 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. Said company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer report.

Company response to consumer: Closed with explanation