vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: CA

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT ACCOUNTS UNDER MY NAME. THE FOLLOWING FRAUDULENT ACCOUNTS ARE XXXX XXXXXXXX - ACCOUNT NO : XXXX .... AND XXXX XXXX XXXX - ACCOUNT NO : XXXX .... THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT EXPERIAN, XXXX, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK FRAUDULENT ACCOUNTS BASED ON MY FTC IDENTITY THEFT REPORT THAT I WILL ATTACHED WITH THIS COMPLAINT.

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 2023-09-07 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: PA

Complaint narrative:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of Accounts XXXX : # XXXX, XXXX : # XXXX XXXX : # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank has illegally charged me Overdraft fees on a transaction that shouldn't have taken place to begin with. The charge of XXXX from XXXX XXXX was reversed due to this error and my money was refunded but the bank ( Regions ) has kept the Overdraft fees as valid. This is an illegal fee ; for the simple fact that the company ( XXXX XXXX  ) shouldn't have charged the account and there wouldn't have been an Overdraft to begin with. This is a malicious attempt to charge fees when none can be, and seeing how Banks like ( Regions ) ; majority source of profits come from overdraft fees, it lends to the creditability to the assertion that this fee was charged in malicious intent to defraud the account holder and generate profit for the Bank. ( Regions ). They have recently had to pay XXXX XXXX dollars for this very issue a year or so ago, for defrauding their customers in " Surprise Overdraft Fees '' that should have NEVER been charged in the first place. 

Secondly in the General instructions page of FR2900 Board of Governors Federal Reserve System ( Sec. ) Report of Deposits and Vault Cash Page ( 10. ) Paragraph ( 8. ) titled ; Overdraft and Negative Balances on line 8 states that ; " Moreover any overdrawn deposit account by a customer should be regarded as a loan made by the reporting institution to that customer, and the amount of the overdraft should be regarded as XXXX  and not reported as a negative deposit ''. 

So if the Federal Reserve Board of Governors is instructing the reporting institution, in this case ( Regions ) to mark these as " loans '' how can it be legal or lawful for that institution ( Regions ) to charge a flat fee for that transaction. If its considered a loan than it should be charged the current interest rate for that particular type of loan which is currently 7.36 %

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a XXXX disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with Rocket Mortgage a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that Rocket Mortgage did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and Rocket Mortgage still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX points while we await a loan modification decision from their underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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:
I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The first dispute was mailed XX/XX/2023 and the second was mailed XX/XX/2023. We are in the month of XX/XX/2023 and still no response from reporting agencies. I have rights as a consumer and demanding a resolution.

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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I WAS SCAMMED XX/XX/ Heres my pitiful story. Our Bank America Credit Card wasnt working quite right, but we thought everything had been straightened out. Then I got a call from Bank America, with caller ID for them, asking if we knew XXXX... And had I sent her {$990.00} on XXXX. I said no and they gave me a long case number and two cancellation numbers then transferred me to the XXXX department. I gave the new person the info and he started having me put numbers into the search line, etc. explaining that this is the way they can block anyone from tampering with my XXXX account. I was so flustered trying to understand the XXXX guy who spoke with a heavy accent as so many companys customer service people do. I could barely keep up with writing numbers and typing them into XXXX. He explained that we needed to do it multiple times with different numbers but not to worry all would be cleared after we finished the process. On the fifth round of numbers I had enough time to see a notice on top of the XXXX page saying beware of a scam. They would never ask you to send XXXX to any numbers. I read that to him and at first he ignored it but then said he knew but he was doing what needed to be done. I said that I no longer trusted him but he said I could trust him because he had not asked for any personal info and if he were doing something bad he would hang up right away. He was so kind and patient repeating numbers for me. I got my credit card and called Bank of America on my cell. They had heavy call volume and I had a long wait to main line then another wait for the XXXX department. The scammer asked me what I was doing and I told him I was reporting him. Then the last transaction was denied because I had reached the limit for {$3500.00} in one day. But he wasnt bothered and said that was normal and he knew how to unlock that. He kept assuring me he was working it all out so I would see nothing was taken out of my account. I had stopped talking to him and had laid the phone beside me. He started yelling the instructions but by then the real XXXX department had connected and the scammer hung up. I was so upset. The agent was kind, took lots of info for the claim but said they rarely recover any XXXX losses though they are trying so hard. I was sick I had fallen for so much. 

The call from scammer came Bank of America on caller ID at XXXX at XXXX XXXX XXXX at XXXX XXXX at XXXX My call to real Bank XXXX XXXX XXXX at XXXX. 

The first 5 names and amounts are the frauds/scams. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2023 got approved for a Wells Fargo XXXX Credit Card, I received the card after 6 days with 2 blank checks for the Balance Transfer offer so i used the first check and paid the amount back on XX/XX/2023, and wrote a second check and deposited in my wells fargo Checking Account # XXXX, then called the customer service on same for inquiry how long takes to payment posted in my credit card before depositing the check in my checking to do a balance transfer from credit card Ending XXXX to my checking Account # XXXX so the payment posted in my credit card on XX/XX/XXXX, and i wrote the check and deposit on XX/XX/2023 went to the branch on XX/XX/XXXX, to withdraw the money with no issue Later on the bank returned the check for no reason and charged my checking account for overdraft fee {$35.00} plus the negative amount of the returned check from my Wells Fargo credit card the bank all the car is, i have to pay the negative balance plus overdraft fee i will never do that, won't take any action of my side let this worst bank in the USA close the negative account and i will file a dispute with XXXX and XXXX XXXX i'm attaching all the docs to show the dates didn't do anything wrong in this transaction but this scam bank all they want charge me an overdraft and tried to convince me its was my fault

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 2023-09-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today XX/XX/2023 I called at XXXX to initiate a dispute with a charge on my card. XXXX picked up the phone and he was unprofessional and wanted to always relay the call to someone else. He refused to let me speak to a supervisor. Then XXXX picked up and he started the dispute but did not tell me he was doing the dispute and just told me that Chase did not have any rights to dispute the charge with an airline. He denied my dispute and later I got a letter by email. I requested to speak to a supervisor regarding XXXX and also wanted to know if my rights as a cardholder were being violated. I was confused why they could no start a dispute. I have other credit cards like XXXX XXXX, XXXX XXXX and others that I have filed disputes with an airline for various reasons and I have won the dispute and no questions asked. But with Chase it seemed that they did not want to do the dispute from the beginning. They did not even ask me what the reason was for the dispute. I spoke with XXXX a supervisor and she told me that they did not do any disputes regarding airline purchases. I want to know why if other credit cards can do it why is Chase refusing to do a dispute. I don't know if it is lazy ness from representatives or they are afraid of airline companies. Regardless I told XXXX that I would file a complaint to find out the truth. I also told her that I want a credit card that is working for me and not me working for the credit card. Is absurd that with my Chase slate edge just got approved a {$4000.00} dollar increase but for what reason if I can't use it. If I charge something else then the dispute will be denied is worthless. I have a perfect credit score so I am confused why I am being denied a dispute on my credit card. Maybe Chase is not worth it like the others or maybe is racial profiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is been going on since XX/XX/2023 I HAVE GIVEN TRANSUNION ALL SUPPORTING DOCUMENTS TO DELETE THESE INACCURATE ACCOUNTS FROM MY REPORTS, LAST DISPUTE WAS SENT ON XX/XX/3023 BUT THEY LIKE TO PLAY GAMES AND DO NOTHING ABOUT IT. THEY SAID IN A LETTER THAT THEY VERIFIED, BUT WHEN ASK TO SUBSTANTIATE THEY NEVER DO.. PLEASE HELP ME. I FEEL THAT TRANSUNION IS TAKEN ADVANTAGE OF ME. nothing gets verified. transunion just likes to laugh at The FAIR CREDIT REPORT ACT...

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 2023-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am completing this complaint, as it appears the collection agency is now operating under XXXX XXXX XXXX. I was a victim of IDENTITY THEFT. They are saying I have a collection owed to them in the amount of XXXX. This debt is not mine! I dont see how Equifax can verify as accurate if my identity was compromised. My social security card, and license were stolen. Since the thief used my information of course it may show this valid, but its NOT. I have sent a letter to the agency requesting concrete proof I rented the apartment over 30 days ago, and have not received it, so by law it states that if I am a victim of identity theft, I am to submit proof, which I have attached my FTC AFFIDAVIT. According to 15 U.S 1681b it is the credit bureaus job to block any information in relation to the identity theft from my credit file. I have tried to resolve this with the rental company, and it is the credit bureaus job to operate fairly and ethical. Stating that my debt is valid when there is no proof is unethical. This one collection is completely ruining my livelihood, and is stopping me from getting an actual home. This debt is not accurate as I am a victim, and should not be penalized in accordance to law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the Consumer Protection laws my right to privacy has been violated I sent dispute letters to Equifax and they still have not removed the accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from XXXX saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up Immediately

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from Experian saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up Immediately

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Sending attached documents and complaint to the furnisher at the same time as this document is being sent. The furnisher of credit information being disputed within the attached document, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is fraudulent, which can be demonstrated by review of the attached documents. 
The charge of operating a motor cycle without protective eyewear does not apply to the provisions of Florida statutes section 316.211 ( 2 ), where the motorcycle at bar was a scooter with an engine displacement of 50 cubic centimeters or under, thus protective eyewear not required pursuant to the provisions of Florida Statutes section 316.211 ( 3 ) ( a ). 
This action was commenced on XX/XX/2019. These actions constitute filing a false report with the credit reporting agencies. 
Actions taken by company : Conviction of violation of Florida Statutes section 316.211 ( 2 ) and suspension of my drivers license for 5 years, due to the violation of Florida statute section 322.264, which was a direct by-product, ( fruit of a poisonous tree ) of the original fraudulent action of issuing a citation when no law was in fact broken. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, Fl. XXXX, Fl. Bar # XXXX, was the fiduciary, that was paid {$1500.00} to dispute these matters with the furnisher, that refused to do so. I accepted the terms of the agreement under undue influence of a conspiracy to deprive me of my civil rights, perpetrated by the court, fiduciary, and officers of the furnishing agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: CORELOGIC INC
State: MD

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to CREDCO. In my credit report from XX/XX/2023, I found unauthorized inquiries that I was not aware of, according to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and I want my credit report to be accurate. 

The CREDCO responded with a letter which I have attached but they still did not remove these unauthorized inquiries that are reflecting on my credit report. 

I have attached my IDs as per 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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am trying to get a refund of XXXX payments I made during Covid forbearance. When I call, I can not get through to a person and the answering machine says they are not open even though the call center doesn't close for XXXX more hours...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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:
I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The first dispute was mailed XX/XX/2023 and the second was mailed XX/XX/2023. We are in the month of XX/XX/2023 and still no response from reporting agencies. I have rights as a consumer and demanding a resolution.

Company response to consumer: Closed with non-monetary relief