vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
You are in direct violation of the Fair Credit Reporting Act, which has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 

Remove these late payments and update this account immediately as you in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Uplift, Inc
State: IA

Complaint narrative:
You are in direct violation of the Fair Credit Reporting Act, which has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 

Remove these late payments and update this account immediately as you in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
IN ACCORDANCE WH THE FORA THIS CREDITOR XXXX CRFDIT DE XXXX HAVE VIOLATED MY RIGHTS UNDER : XXXX XXXX XXXX SECTION XXXX02 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE.

15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
IN ACCORDANCE WH THE FORA THIS CREDITOR XXXX CRFDIT DE XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE.

15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i have tried to access my credit report on Transunion since XX/XX/2023 it keeps giving that message technical difficulties and try back. Today i tried and also spoke with 3 reps who told me to do different steps that did not work. Im trying to look at my credit report because i want to purchase a house this is holding me up. FCRA regulations are being violated and neglected. I also paid for my credit report which is only available until XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-18 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: NC

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. Deleted these accounts caused by fraud. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I, XXXX XXXX principal holder, have wrote a letter to XXXX XXXX XXXX letting them know it's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. They have not responded. or removed this of my credit report. I am willing to go into arbitration if they don't remove this off and but make account in Good standings. 
F.D.C.P.A. at 15 USC 1692 e.g.

Title 18 section 8 ( All debt is the obligation of the UNITED STATES Cestui que vie act of 1666 trust account pursuant 15 usc 83 banks can not loan money 1933 emergency banking 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 explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have tried twice to remove inaccurate addresses and names from my XXXX report, but for some reason, this hasn't been handled. Please look into this issue for me, I am in fear of identity theft on all three bureaus. I have attached my current driver 's license, all information on the license is accurate.

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 2023-05-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting that the following fraudulent inquiries are removed from my credit report. I did not authorize any of the following companies to access my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXThese are fraudulent inquiries, and request these are removed immediately. 

XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX  I have reached out to the companies, and bureaus by mail and phone to report these fraudulent inquiries. I have been exposed to several data breaches and also lost a personal wallet within the past year and that's why I do have the fraud alert on my profile. There has not been any investigation or signature presented to validate the authorization of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: A&D Mortgage LLC
State: FL

Complaint narrative:
A & D Mortgage LLC has been reporting XXXX of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which A & D Mortage sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. Transunion has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. XXXX has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DE

Complaint narrative:
XX/XX/2023 I paid my mortgage and changed my information to my new bank account information. XXXX I went in paid my mortgage, tho my information had changed. A few days later wondered why it was taking so long to clear, realized it was coming from the old account, immediately called amerisave and spoke with a supervisor ( XXXX  is her ID ) she tried to change it but it would not take. She said she will put in a ticket to see why. I paid my mortgage 1 day late online with her and she put my payment through. ( I incurred a {$20.00} late fee ) She said I should hear something. ( I am computer savvy ) I waited and got an email from XXXX ( where they want you to send all the complaints ) I sent an email saying they sent my payment to the wrong account and I needed to be refined for the NSF fee of {$64.00} ( XXXX  ), sent bank statements verifying, it went through twice. and for the {$20.00} late fee. I could not get in their ( safe- XXXX  secure messages ) system when responding to customers, I tried on several occasions but it will not send me the verification email for password change. so I called again. 

XX/XX/XXXX XXXX XXXX   email requesting fees sent detailed information needed. they said it was my fault when supervisor stated it was an issues and confirmed it was not. my fault Send another email XX/XX/XXXX at XXXX and they still said it was my fault. not reading the letter I sent and was guided by their supervisor how to write it.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THERE ARE THINGS LISTED ON MY CREDIT REPORT THAT I HAVE NO IDEA WHAT THAT ARE AND IT IS COSTING ME NEGATIVE FEEDBACK, AS WELL AS CLOSED ACCOUNTS AND A PREVIOUS BANKRUPTCY 7 PLUS YEARS OLD STILL BEING DISPLAYED UNDER DEROGATORY. XX/XX/2023 {$150.00}, XXXX 2023 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 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022, we wired {$30000.00} to XXXX XXXX XXXX for the purchase of a boat ; however, we never received the boat. Our transfer was made at our bank, XXXX in XXXX, IL, to JP Morgan Chase in XXXX XXXX, NV. We contacted both of these banks ten days after the transfer once we realized the boat was not going to be delivered, to see if the wire transfer could be reversed. However, both of the banks did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I have a reverse Mortgage with Carrington this is a loan that was taken over by another loan company that had gone into default. I desperately need your help and Im asking you to intercede on my behalf. My loan number is XXXX on XX/XX/XXXX XXXX requested a withdrawal of {$10000.00} I was told that a check was just sent in regular mail, on XX/XX/XXXX I have never received the check Ive gone to the post office. They have told me they cant search it without it being certified. I have been calling almost every other day to look at for a resolve I have sent in my direct deposit information so that we could request it and have it immediately put into my account. I was told that my direct deposit information when I called today myself to find out that they did not like the signature that I had on there, I never received information on this had no idea there was a problem with it they have my emails they did commit not communicate with me. I am not sure what signature they are comparing it against. It is my signature. I went to a lot of trouble to get it formed into a PDF and have it sent to the company for this, we are now over two weeks into this whole process almost 3 I have no money from my account and I need help. I am being told that I would need to perhaps have my signature notarized and re-send the PDF again I find all of this to be very subjective and punitive to me. I find it to be unethical and lacked professionalism. It seems as if you were holding my money. Maybe perhaps theres a reason for that the liquidity of your business I am not sure, but I find this to be a poor business practice please get back in touch with me and let me know what you could do on behalf of your company to help me. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/XXXX, I received a check in the amount of {$12000.00} from the XXXX XXXX  XXXX as a widow 's benefit payment after my husband passed in XX/XX/XXXX. The check was drawn on a Fifth Third account. I opened an account online, depositing {$100.00} into checking from another bank via debit card - savings would be funded when the check was cashed. XX/XX/XXXX, I went to the Fifth Third location on XXXX in XXXX to cash the check, subsequently receiving {$10000.00} cash and depositing {$2000.00} into savings. A few weeks later, I received a letter stating the account was locked. I had not used the account in any way at this point. I called in and spoke to XXXX who advised that they needed 2 forms of photo ID and utility bills to verify my address. I advised her, I only had my state ID, no other ID but would bring other information ( voter 's registration, husband 's death certificate, etc ). The financial advisor sent in the documents to a 'fraud ' department. Because of the hassle, I told them I was ok with them just closing the account and getting my funds back. I was advised it would take one month to return the {$2100.00} I had deposited. In XXXX, I phoned in to customer service advised the account would close on the XXXX and my funds would be sent by the end of XXXX. XX/XX/XXXX I called in and was told they could not verify the check that I cashed and would not release my funds. These are insurance benefits sent by a MUNICIPALITY ( XXXX XXXX  XXXX XXXX and the check was a Fifth Third check. I went in to the branch on XX/XX/XXXX and was helped by XXXX. She verified my documents and advised 'fraud ' that the check had cleared and my funds should be released. 'Fraud ' stated they needed more information about the check and would not release my funds. The XXXX XXXX  XXXX provided a copy of the cleared and endorsed check yet the funds have not been released. I need a HUMAN person to review what has happened on this account and assist me. I am in desperate need of those insurance funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 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: NC

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On Wednesday, XX/XX/2023, I discovered an issue with my newly opened Wells Fargo credit card. I had supplied all correct information, including my Social Security Number ( SSN ), during the application process, but I couldn't locate the card or its balance within my existing Wells Fargo account, which also includes a connected checking account. When I called Wells Fargo 's customer service for clarification, they informed me that the card had been incorrectly registered under a different SSN.

I was transferred to a specialist and had to wait on hold for several hours. The specialist confirmed that Wells Fargo had made an error and the card was indeed registered under a different SSN. They assured me that they would send a form within 10 business days, which I would need to fill out and return to correct the SSN associated with the card. 

As of today, Thursday, XX/XX/2023, I have not received the form that was promised. I am greatly concerned due to the potential implications for my credit history and the risk of identity theft or fraud caused by Wells Fargo 's error. The lack of prompt action to rectify this mistake further compounds my concerns.

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