vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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:
I opened an account with XXXX XXXX  on XX/XX/XXXX. I had payments linked to an account to be automatically removed from. I did not realize the account that was linked was a savings account and could not be accessed from when trying to make payments. This resulted in over 2 months of missed payments. When I finally realized the situation I contacted them several times to pay the account off. Finally on XX/XX/XXXX I made a full payment of {$310.00} to the account from a separate account. On XX/XX/XXXX, I closed the account with XXXX XXXX. The delay in payments caused my account to fall under delinquency. I made a dispute on XX/XX/XXXX to Experian and explained the situation. The dispute was supposedly resolved XX/XX/XXXX. However, the delinquency report was still showing on my credit report. I have two other credit bureaus that I check and they have separate reports than Experian. On those accounts, it shows the delinquency was resolved and removed from the report. Experian still claims the delinquency is still applied. Ive made several emails and phone calls to Experian to fix the situation. I called three times on XX/XX/XXXX and emailed them to get an answer as to why its still reporting the delinquency. I have not received any clear answer or resolution. This has caused a delay in applying for any apartment application or car application.

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 2023-02-23 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 provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # 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 2023-02-23 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: CBC Companies, Inc.
State: NC

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit.

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry.

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act
requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. 

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XX/XX/2023, I living woman XXXX XXXX XXXX was denied a consumer personal loan at Truist Bank XXXX Scenic highway XXXX XXXX, Ga XXXX. XXXX XXXX XXXX XXXX # XXXX. I requested/submitted an application for {$7000.00} to purchase a dwelling unit for my safety and a automobile for traveling and was denied. I seen an advertisement online for personal consumer loans and it does not state that a credit score of XXXX is required before applying nor did it say anything about my creditworthiness! Its False advertisement, Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of Fraudulent activity ( unauthorized use of credit card ) on behalf of Truist I am aware that according to FEDERAL LAW, banks are not allowed to loan credit and are also not allowed to loan their own or their depositor 's money Public Law 73-10 Hjr 192 Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is confided in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received. Truist reported to all 3 CRAs witch has lowered my credit score and states its high RISK I am also requesting for that hard inquiry to be removed from my credit report! As its damaging my life. I am requesting that I receive the full amount of {$7000.00} for my personal use, its my right to have a safe place to live and safe travels! 
Sincerely, Without Prejudice, All Natural Inalienable Rights Reserved UCC1-308 By : 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 explanation
Consumer complaint received 2023-02-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
My Credit Union sent a cashiers check in the amount of {$16000.00} to payoff a second mortgage to Mr Cooper on XX/XX/2022 via XXXX XXXX 

The documents were recieved and signed for on Friday morning XX/XX/2022 at XXXX XXXX XXXX XXXX by Mr Cooper. 

Included in the XXXX packaging was the cashiers check [ in the amount quoted by Mr Cooper, to the address Mr Cooper stated as their payoff department ], an original payment request document generated by Mr Cooper with the account number and my name, and a document requesting that they release their lein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2023 : I noticed a total of {$4800.00} in fraudulent charges taken from my bank account from Chase. I contacted Chase within a few hours to lock down my account and report the charges as fraudulent. 

XX/XX/2023 : Chase provided a temporary credit towards my account while they investigated the matter. 

XX/XX/2023 : I received the following statement from Chase : We completed our research for the transaction ( s ) you reported on XX/XX/2023. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
As a result, we are removing {$4800.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). 

XX/XX/2023 : I called Chase and spoke with an agent and asked them for verification. I was told that my account was less than 6 months old and therefore my claim was denied. My account has been open with Chase for over 10 years. 

I'm at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX in XXXX XXXXXXXX florida double charged me {$80.00} on XX/XX/22. I contacted my bank. Wells Fargo to dispute the double charge. I was then told the case had been closed because the retailer told them the charges were made and proven? At the time of service the retailer told me my card did not go through although it did and I re ran my card therefore was double charged and have the statement to prove it.

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My Bank of America personal checking and savings account were closed XX/XX/XXXX. I was informed that there was a balance due on my account of {$79.00} and upon remitting payment, I would be able to open another account. I completed payment on XX/XX/XXXX. Once again, at this time, I was told that I would be able to go into a branch and open an account. when I received my consumer report from XXXX XXXX  to verify this had been removed, I see there is a statement that says Suspected Fraud Activity. I had previously disputed this information in XXXX and forgot about it. I never recieved a copy of the dispute or the results as required by law. When I called bank of america to get this situated, I receive 3 different stories from the Recovery Department, Risk Department, & Fraud Department. No suspicious activity has ever been brought to my attention. How is it that the company can report, " suspected fraud activity. '' I still have open and active accounts with Bank of America. If there was suspected fraud activity, why would my accounts stay open. I need this removed from my consumer file.

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 2023-02-23 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: PA

Complaint narrative:
I have provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # 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 2023-02-23 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: PA

Complaint narrative:
I have provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: VA

Complaint narrative:
I sent a dispute to Discover XX/XX/XXXX, with dispute number XXXX about services from a merchant. I had 30 days to submit documents, however, Discover closed the dispute case without even considering my documents. I called them on XX/XX/XXXX to reopen the dispute and they said they will not as this is a direct line of communication between them and merchant. They only considered the merchant 's response in completing investigation and refused to reopen investigation. Furthermore, XXXX, the supervisor I was speaking with stated she can not continue investigation because while I was not satisfied with the service and service was not as advertised on merchant 's website, I can't dispute that and they will take merchants side. However, on discover 's how to dispute credit card, it says directly that " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasn't as advertised when you charged your card to pay for it? While you'll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I gave evidence to Discover that services are not as advertised and they said that they could not open the dispute because I can't dispute a charge if I wasn't satisfied with quality. However, on their dispute process, it clearly states that is one of the reasons to have a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC
State: FL

Complaint narrative:
On XX/XX/XXXX @ XXXX I received a text message from Spire Recovery Solutions asking me to contact them in reference to an account. I responded at XXXX that I had no idea what they are talking about. 

They immediately started to ask me personal information questions. ( DOB, SSN etc ) which I refused to answer until they told me what it was about. 

They directed me to call in which I didn't do because the calls are recorded and only recorded on their end. Which means I'm not afforded the protection or access to the recording. Then they directed me to a website, which requires me to agree to a number of conditions including consent to be continually contacted, more personal information, being recorded, agree to payments, that I don't even know if I'm responsible for etc. 

They then blasted me with 3 back to back auto robo text message about their hours. 

Then yesterday XX/XX/XXXX @ XXXX they text me that they will not disclose any information to me before they get the information they want. At XXXX I asked them to not contact me again since they won't tell me what this about. 

Today XX/XX/XXXX @ XXXX they again contacted me ( after being asked to stop ) telling me that they will not stop contacting me and if I change my mind and would like to give them the information they want to call them at XXXX I responded @ XXXX asking them again to stop contacting me and informed them that I will be reporting this and all future violations. 

This entire thread has been documented through text messages which I also did not consent to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX XXXXXXXX XXXX, has violated my rights. After disputing the late payments with XXXX XXXX XXXXXXXX their investigation concluded that the 3 credit bureaus ( Transunion, XXXX, XXXX ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc
State: IL

Complaint narrative:
I moved out a unit with XXXX XXXX  on XX/XX/XXXX which it states on my lease. The collection agency calling me about a debt they claim I owe with this apartment complex for the month of XX/XX/XXXX and for the half of XX/XX/XXXX. The people from this collection agency ( Hunt war ) continuously trying to get me to pay a debt after showing proof it wasnt mind on many different occasions. XX/XX/XXXX a guy called me again to rant on about the debt Ive told him wasnt mine, to than bring up my employer and ask if I still work for them, using my job to black mail me to pay a fraudulent account.

Company response to consumer: Closed with explanation