vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXXXXXX Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX CO XXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX CO XXXX account # XXXX, XXXX CO XXXX account XXXX XXXX XXXXas 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.

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 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
i would like all this removed based off the laws below. 

15USC section 602 A states i have the right to privacy 15 USC section 604 A section 2 it also states a consumer reporting agency can not furnished account without my written instructions 15 1681 section c ( a ) ( 5 ) USC no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information other than the records of conviction of crimes which anedates the report by more than 7 years.

15USC 1681 s-2 9A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or as reasonable cause to believe that the information is accurate. 

Companies Springoakcap XXXX XXXX ins Comnwlthfin webbankavant ccredit coll credit coll creditonebank celtic/cont cb indigo bk of mo fist premer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2022-10-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Sent in letters to all three credit bureaus for a XXXX Violation for medical debt, ive been disputing the amount being that i had insurance and the information is incorrect. XXXX and XXXX deleted the collection, Experian has not with the same 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 2022-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX TRANSUNION and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency 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 2022-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and EQUIFAX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to EXPERIAN XXXX and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency 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 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Back to XXXX 2020 my mortgage company send a letter to me with proposition to go to the forbearance plan and I accept it because I have to go for the XXXX I had XXXX XXXX XXXX XXXX XXXX XXXX for last 5 years.They said when that period will end I can go back on the track and still make a same payments and they will put a missing payments on the end of my mortgage, When that plan was ended I call them and I got completely different information they told me that I have to pay them full amount or they will refinance the mortgage and I have to go on the trial plan for 3 month and make them payments for {$800.00} My payments before was XXXX XXXXI agree to that and make those payments for 4 month when I call them to make a next payment they told me they cant accept it because they have to do some title search and I have to sight some form I was patiently waiting for calling them and finally got it 3 month later.I sight that form and returned to them they told me they gon na get back to me but they didnt do it.I have to go to XXXX for 2 month because of my family emergency matter get back and receive XXXX XXXX  XXXX.I hade my phone with me all the time they got my email address, no one ever contact me with any instructions.I asking you to step in and help me to resolve that problem .I really have no any problem to make my monthly payments.Thank you

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 2022-10-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]. " ( E ) any actions that might be taken within a voluntary reporting system to encourage the reporting of the types of transactions described in subparagraph ( D ). i have the right to privacy 15 1681 604 consumer reporting agency can not furnish an account without my written intstructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
As someone who lives paycheck to paycheck, it is already difficult to make ends meet. Navy Federal Credit Union makes it even harder with their non sufficient funds fee of {$29.00} every time someone tries to debit money from my account that I dont have. Transactions as low as {$1.00} attempting to come out of my account, have cost me hundreds of dollars in XXXX  fees, instead of declining a transaction like they would do if I was in a store and did not have enough money for the transaction they just keep charging my already negative account {$29.00} repeatedly. They dont even pay the charge that tried to come out, which usually is the case with overdraft. So not only does the charge decline, not get paid, I in addition to that owe my bank now as well. Its not right, its not fair, and its creating more debt and less money for bills and food. On top of that they charge an additional dollar for using an ATM that is not one of theirs, so if I need {$20.00}, I have {$25.00}, the ATM charges me {$3.00} for their fee, then my bank charges me another dollar on top of that as what feels like a punishment. These things cost XXXX XXXX nothing, but me the account holder everything. How are these fees legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : ARS National Services Inc Account # XXXX 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.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I just spoke to the Executive Team at Bank of America and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to Bank of America what I have paid and this person still tries to spin it in different ways and Bank of America now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed 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 explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
A company called XXXX charged my account XXXX usd on XX/XX/XXXX at XXXX XXXX I have never used this company or service so I contacted my bank a few minutes later and disputed this transaction The bank ( chime ) asked me for documentation proving this was unauthorized and I said that I didn't know how to prove money was stolen from my account other than the funds being missing and me knowing I didn't spend XXXX XXXX they advised me to file a police report wich I did then my bank canceled my card after verifying I had not lost my card and it was still in my possession. I got a letter after requesting a reason why they denied my claim and they basically said in the letter that nothing looked out of the ordinary and that because I used a basic bank function prior to the charge wich moved money from my savings to my checking account that they believe I anticipated the charge and therefore it must be legitimate. The bank ignored my other evidence I submitted that this is a scam ie, the phone number is unreachable and the company is not on any XXXX search after I have attempted to connect with the merchant over 12 times no response. The bank didn't investigate the merchant or attempt to contact the merchant they only did a half assed look into my spending and determined it's not unusual and deneyed my claim. This is I believe unfair and poor practice and hardly can be called a investigation into my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX.in accordance with the fair credit reporting act XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: SC

Complaint narrative:
XXXX XXXX.in accordance with the fair credit reporting act XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a United XXXX XXXX plus Visa card by Chase. I advise the representative of my current mileage plus number with United airlines : XXXX. Chase approved my credit card application and mailed me a credit card bearing a new mileage plus number XXXX have contacted Chase on eight occasions advising them to remove the new mileage plus number XXXX and add XXXX to my credit card account and to send me a new credit card with the correct mileage plus number XXXX. Instead of addressing my concern on XX/XX/2022 Chase wrote me a letter advising me that there are now two mileage plus numbers with my name that is information I provided to them and asked them to remedy the matter but instead of them, providing a remedy, they sent me a letter, telling me exactly what I called and told them, my complaints are falling on deaf ears when I reach out to Chase credit card customer service centers, and I want them to take accountability for accessing my account and addressing my specific concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 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: LEXISNEXIS
State: IN

Complaint narrative:
I should only have one address & phone # on my report and I would like a reporting freeze on my credit from all credit reporting companies, it is within my legal right to have my information frozen and not given out at all, so please be so kind as to honor this request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation