vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: LA

Complaint narrative:
I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX  Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX  reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I was contacted by a Debt collector company Conserve to my personal phone number twice today on XX/XX/22 on some issue my father is currently trying to resolve. The collector would not give me any information on dates of letters sent out or how many attempts just that they had done it " many times ''. My father does not speak English and this collector does not speak XXXX. I asked her to not call again and as a result and I told her one of the accountants of my father was probably handling that information but I did not have a contact because I do not work for him. She then demanded for me to provide a number for the accountant and act as a translator even though I am not responsible for this nor do I work for my father or her company. I told her I would try to make the accountant aware of the situation although I made no promises because it is not my job to do her job. She also refused to send my fathers business an additional letter for filing purposes and told me that they already had many times but they had 2 addresses on file and she refused and kept demanding I get my father on the line. She kept telling me they were trying to avoid extreme ramifications like forceful debt collect by vague implication a couple of times during the call but not vague enough by making sure to inform me that they " have his social security on file '' as part of that threat, I told her that it was unnecessary to mention that because obviously to go through this a social security number was provided when the loan was made that's how loans work. I am also an individual on the XXXX XXXX so I don't understand what she was trying to do with all her threats and mean tone that she probably got as a result of my monotone voice and telling her that some things don't make sense to me. I told her I am not responsible for anything relating to this part of her job and to not call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XX/XX/XXXX NEGATIVE ACCOUNTS : - 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 XXXXXXXX 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 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 2022-06-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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  NEGATIVE ACCOUNTS : - 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 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 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My account has an {$8000.00} balance, in XXXX unbeknownst to me I exceeded my credit limit. I have to Citibank cards and one has texts alerts on it but the AA card did not. Citibank allowed another {$1600.00} to charged to my account even though I exceeded my credit limit. I thought credit limits stopped you from charging more purchases. Isnt that why its called a credit limit? You are limited to that amount of $ $ to spend. According to Citibank that is just their threshold of when you are then required to pay 100 % of the overcharges as your minimum due. The XX/XX/XXXX statement reflected XXXX + 1 % of total amount... .yet on XX/XX/XXXX my balance was {$2000.00} until I made a payment of {$9900.00}, which reduced my balance to {$60.00}. Over the next 3 weeks I charged {$1800.00}. My monthly autopay is set up to pay the minimum due, yet my bank account was charged {$1800.00}, which my bank denied due to NSF and now I have a NSF fee from the bank and in 30mins of talking on the phone and another hour on webchat with Citibank they will not reverse the payment and tell me its my fault because I went over my limit in XXXX and THEY kept allowing me to charge another {$2000.00} - that's 25 % of my total credit line. This is UNFAIR, DECEPTIVE, and ABUSIVE practices.

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 2022-06-17 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: PA

Complaint narrative:
I have asked EXPERIAN repeatedly to disclose the furnisher of the Bankruptcy they are reporting on my credit report and have refused to do so. The FCRA is very clear - I have the right to know where the information reported on my credit report is coming from and question any inaccuracies. They could not have obtained any information from the court house as they do not disclose such information to the public or private entities. They could not have obtained it from XXXX XXXX as my consumer file with them is frozen due to identity theft. 

15 U.S. Code 1681 Section 603 ( 3 ) ( e ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Furthermore, 15 U.S Code 1681 Section 602 A. States : I have the right to privacy. And 15 U.S.Code 1681 604 Section 2 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 2022-06-17 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: AL

Complaint narrative:
IDENTITY THEFT AND FRAUD INACCURATE INFORMATION DELETE CHARGE OFF. 15USC 1681e ( b ) ACCURACY OF REPORTING AGENCY WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY. 
XXXX AND XXXX HAS DELETED CHARGE OFF. CHARGE OFF IS XXXX IRS TAX FRAUD WHO HAS GAINED GROSS INCOME ATTEMPTING TO COLLECT A DEBT THEY DONT OWN. DELETE CHARGE OFF AND TAX FRAUD FROM CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Fig Tech Inc.
State: TX

Complaint narrative:
Fig Loans opened a loan without my authorization. This loan was opened from an Identity Thieve, and Fig Loans was already made aware of it. Fig Loan 's ( Fig Loans Texas ) Is stating to XXXX and XXXX that I owe them {$1500.00} Which is incorrect, This loan is fraudulent. I do not owe them {$1500.00} I have never owed them any loans for XXXX This is a lie and being reported inaccurately to the credit bureaus. I have attached an identity theft affidavit below. I do not owe Fig loans any money, and I did not apply for any loans with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I the consumer applied for a jp Morgan chase flex card on XXXX XXXX for a consumer open end credit plan I was denied instantly and later was sent a adverse action letter in the mail I sent the company two follow up letters trying to resolve this fraudulent denial inside my letters I broke down full details on how they violated me and broke the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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:
I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXX XXXX XXXX XXXX XXXX  I also noticed multiple inquiries reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: IL

Complaint narrative:
I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXX XXXX XXXX XXXX XXXX I also noticed multiple inquiries reporting : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, in XXXX Maryland, 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 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 non-monetary relief
Consumer complaint received 2022-06-17 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
My girlfriend of XXXX years took out several fraudulent cards and opened accounts in my name after we broke up. I didnt accuse her of these originally but she used her email address ( XXXX ) on the accounts and her was current mailing address ( XXXX XXXX XXXX XXXX, XXXX XXXX AL ). Ive never lived or visited said address ever. 

For instance while together I added her to my XXXX XXXX XXXX account as a primary user and she went and got internet and other services after we broke up & never paid the bill. 

Im guessing with the cards they may have came in the mail and she knew my information to active them from there but she couldve easily just applied for them. I have messages between us once I found out she had done it but besides that and her information on file thats all I have to prove I did not open these accounts. As well as a police report but the cops havent been much help at all. I have W2s to show Ive never live at this address as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: NC

Complaint narrative:
Received a NetSpend ACE FlareAccount debit card that I did not request and do not want. Called customer service and was advised that Netspend opened the account as a promotion without my permission.

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 2022-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I recently noticed a balance of {$1700.00} add to my collections around 2021. After finally receiving a statement and a proper number to call I called to talk about financial hardship to hopefully get this charge taken care of. After getting the runaround I heard nothing back and after a couple of months have received a phone call and a second charge added to my collections for the same charge through the debt collector. I am unable to pay this I have talked to numerous people in regards to getting this taken care of nobody has helped me I have no idea what else to do and I need help trying to figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NC 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: NJ

Complaint narrative:
I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my XXXX and Transunion, XXXX credit reporting agency, this account of XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXXXXXX BANKInquired XXXX, XXXX Inquired XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES

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 2022-06-17 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: NJ

Complaint narrative:
I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my XXXX and XXXX, Equifax credit reporting agency, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired XXXX, XXXX  Inquired XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: FL

Complaint narrative:
The Credit Bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I started the process of removing my PMI payments on XX/XX/2022. I finally received instructions via USPS on XX/XX/2022. PHH requested {$100.00} appraisal fee. However, I had an appraisal through PHH in XX/XX/2022 which I paid {$590.00}. On XX/XX/2022 I contacted them informing them of the appraisal I had through them. They requested a copy of the appraisal which I emailed on XX/XX/2022. They rejected the appraisal that PHH set up and still require the additional {$100.00}. I have emailed and spent over an hour on the phone with staff and supervisors and they refuse to accept the appraisal that THEY set up. It is absurd that I have to pay an additional {$100.00} after paying nearly {$600.00} for an appraisal! The emails are the generic rejection emails that seem automated. I spent an hour on the phone, over 40 minutes of that time was spent on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my report. The item I need deleted is listed in the report. I am a victim of identity theft, I demand that you remove the item to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission out affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

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