vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In regards to the XXXX XXXX  XXXX  XXXX account listed on my consumer report. Ive allowed XXXX, Equifax and XXXX a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TN

Complaint narrative:
Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Services, Inc.
State: IL

Complaint narrative:
My credit report is reporting that I have XXXX accounts in collection ( despite my payment history saying " 100 % of payments made on time ). However, they have been closed out since XX/XX/XXXX. They've yet to fall off my credit report and is prohibiting me from making other financial investments. As companies are denying me due to " unsatisfactory payment '' history. 


1st one : Certified Services Inc Originator : XXXX XXXX Opened : XX/XX/XXXX Payment Status : Paid Amount : {$100.00} 2nd one : XXXX XXXX Originator : XXXX  XXXX  Opened : XX/XX/XXXX Payment Status : Paid Amount : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I received a notification on my credit that I owed a medical debt of {$690.00} to IC Systems. I have disputed this collection multiple times because I'm unaware how I would have a medical debt when I have always had Military insurance since the age of XXXX. Each attempt to dispute with XXXX, the collect states it's accurate, but does not provide proof. I have also attempted to dispute the debt with the company and still have not received any verification that I owe the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are fraudulent inquiries on my credit report from : 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 non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
I am attempting to have the PMI removed from my home loan. ServiceMac Mortgage Servicing Company is requiring me to sign an application by which I am required to agree to pay any amount they chose to charge me, for an appraisal of the property by any company they choose after the appraisal is completed. I refused authorize the company a no limit charge of any amount it saw fit and added an addendum to the application. I application was subsequently denied. I believe this is an unethical and unlawful requirement. I have no choice as to who services my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advantage Credit, Inc.
State: IL

Complaint narrative:
Hard Inquiry on report for a mortgage company. I did not request or ask for my credit to be ran nor was I looking to get a mortgage loan. 

Company : ADVANTAGEXXXXADVANTAGE CR Inquiry date : XXXX Type : Mortgage Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am a XXXX XXXX XXXX lady who is on XXXX and the victim of ID theft to boot. Regions bank is robbing me blind. Instead of charging me a one time overdraft fee and covering my item then holding their money out on the XXXX, they're playing games with me and what little money I have. I get XXXX a month and XXXX XXXX is taking 10 % of that back saying they overplayed me, that leaves XXXX a month. My rent was XXXX and my full coverage insurance is XXXX so that only left me XXXX dollars a month to eat and live on. Because of the ID theft I did away with the debut cards and resirted back to checks, except that's worse. Now they charge me the XXXX dollar fee, and send the check back, 3 times. In the end I'm paying XXXX in overdraft fees and plus XXXX ir XXXX wherever I have to pick up the check at plus the price of the check. Ow I owe over XXXX in insurance in XXXX and the bank has XXXX XXXX XXXX in the minus, add my phone bill of XXXX and I'm screwed.. I'm already living in my car because of the way they are playing with my money.. I'm drowning here with no one to help me. How is this even close to fair? I have now threw away my checks also and only go to the bank which makes it very inconvenient because I should be able to access my money 7 days a week just like everyone else. I'm extremely stressed about this. Which is a no no because I have a brain XXXX and could have a brain bleed and due any second

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I signed up for a CHASE " XXXX XXXX XXXX '' XXXX  XXXX Credit Card. 
... The company had advertised FANTASTIC benefits... MOST IMPORTANTLY ... a " 0 % APR for on purchases until 2023 '' and a " Introductory Interest rate of 2.9 % for the First 12 Months afterwards. 
I value my credit... .because my family depends on it. 
After making an Appliance purchase at XXXX 'S, I immediately began making payments... With intention of paying card off quickly. 
A few months go by and I notice my Balance was remaining the same!

I discovered monthly " PURCHASE INTEREST CHARGE ( s ) '' of nearly $ XXXX month! 
Also .... " Purchase APR of 23 % to 25 % ''! 
... .UNBELIEVABLE. 
I've NEVER thought big companies like XXXX would allow this type of corruption and I thought Chase was a Big Professional name... worthy of Trust.

I can barely believe my eyes ... .every time I log on ... .I feel so stressed and helpless. 
I tried contacting CHASE XXXX XXXX Services and they spoke to me as if l were XXXX XXXX XXXX  and pretended they've never heard of such a Promotion. 
At any rate, I want to help save my credit and MORE IMPORTANTLY... Help the Public avoid falling for this Predator Credit Card company. 
My name is XXXX XXXX XXXX. 
XXXX I'd appreciate ANY help in this matter. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On numerous occasion, I have requested to have erroneous payment status removed. On several occasions, I have asked XXXX and Experian to remove this data and it has not been removed. I have included examples showing where each credit bureau is reporting a different delinquency for the same account and my example was ignored as well as the information that I requested from them in the allotted time. I have attached a second letter detailing once again what I have asked for over and over. Each credit bureau should be reporting the same consistent information. In the first letter that I sent I asked you to send me several items. I have attached the first letter and a follow-up letter. I am also including the evidence removed. I also want the temporary update freeze removed from my account. As a consumer, I have a right to dispute inaccuracies between the credit bureaus as much as I choose. I provided evidence and it was ignored. I would like to have the disputed data removed because it is not consistent and it is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries AMERICAN FIR Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX  XXXX  Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX  XX/XX/2020 The following address needs to be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX  IN XXXX Balance Owed : {$3800.00} ; XXXX  XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.

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 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I bought a used car in XX/XX/2021 and the loan was funded through US Bank, beginning in XX/XX/2021. In XX/XX/2021, I received a letter from US Bank telling me that I was late on my loan payment. I logged in to my account and the statement showed the loan amount paid from my Bank ( XXXX  XXXX XXXX ) to US Bank and the loan amount and then the very next line of the statement said, " amount reversed. '' I called US Bank on XX/XX/XXXX ( the first of 12 phone calls ) and spoke with a customer service representative who said that he would try to submit my payment again which he did and said that the money was transferred. 
A few weeks later, I received another letter from US Bank, telling me that I was late on my payment again. This continued to happen so US Bank asked me to get a letter from my bank XXXX XXXX  XXXX XXXX ) stating my account number and routing number to make sure that it was correct. In the mean time, I spoke with supervisors at US Bank, who, with my permission, " took over control '' of my laptop screen to check my account and routing numbers, which were found to be correct. 
I was able to make an in person appointment to talk with a customer service representative at US Bank and he suggested I download the US Bank app on my phone and try making a payment using the app, which I did and it was successful, but it was too late. US Bank had already reported my supposed delinquency to all three credit bureaus. 
I called US Bank a total of 12 times ( and talked to 12 different people, having to eplain everything over and over and over ) over the past three months, to no avail. I mailed them approximately 25 pieces of paper as they requested to prove I was making payments and that their US Bank online system was rejecting my payments. All of my phone calls to US Bank were recorded. 
I am ( was ) in the middle of getting pre-qualified for a home loan and my credit score dropped XXXX points because of US Bank 's mistake and my lender will not move forward with me because of my credit score.

I would like US Bank to reverse the damage that they have done to my credit score with all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I received a very official looking email from the Bank of America stating that there was an issue with my California XXXX account and that I should call them - which I did. I verified all my information with the operator, but said operator could not find any issues with my account. 
On XX/XX/2022, two transfers were made from my BofA XXXX account, the first for {$2400.00} to an account which was not mine, which was immediately closed and then another transfer for {$600.00} to a new account which, again, had nothing to do with me. 

I tried to contact the BofA, but all my passwords and information had been changed. 

After seven guelling attempts and as many hours, I was able to reinstate my personal information. I filed a dispute with BofA over the fraudulently removed funds. 

Several days later, I called BofA to discover that they denied my dispute without investigation. I was able to speak with a supervisor who looked at the issue and agreed that there was obvious fraud and reopened the investigation. 

Today, XX/XX/2022, I learned that the dispute was denied again- without investigation - dispite my having provided BofA at their request with all pertinent information regarding the phishing email and my phone records indication that I had indeed called the site. This information - requested by old fashioned phone fax - was apparently not even looked at. 

I was able to reach another supervisor who agreed that there was obvious fraud and re-opened the dispute a second time. 

It is obvious that there are people inside either California XXXX or Bank of America or both who are providing personal information to third party scammers. Bank of America for its part is doing nothing to adress this problem and dismisses dissputes out of hand without any investigation whatsoever.

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 monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account #, XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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:
I dont know how many times i have to inform these companies that they have me missed up with someone else. I think someone has been using my information for their personal gain and i need my report cleared. ive called each company and asked for the original paperwork and neither was able to provide them and this was back on XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$660.00}

Company response to consumer: Closed with explanation