vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good day, Per the FCRA 15 USC 1681 section 602 a clearly states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Equifax are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by the Gramm-Leach-Bliley Act 15 USC 6801 - " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the definitions under the aforementioned title, the following furnishers of information ( I'm including the account numbers as well ) are considered financial institutions : On XXXX : XXXX XXXX - XXXX and 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 On 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 Additionally, I did NOT give verbal or written permission to the aforementioned furnishers, Equifax nor XXXX to furnish any information, according to 15 USC 1681 Section 604a section 2.

You can see 15 USC 6802 ( b ) ( c ) regarding a financial institution disclosing nonpublic personal information to a nonaffiliated third party.

Also see 15 YSC1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ) 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. '' These accounts are adverse and being reported without permission which is not allowed per 15 US Code 1681s-2 ( A ) ( 1 ). Both Equifax and XXXX are not adhering to 15 USC 1681e which says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' I also sent in required documents to identify myself and requested that my personal information be updated ; however, XXXX has 2 names and 13 addresses on file for me. Again, my name is : XXXX XXXX and my address is : XXXX XXXX XXXX XXXX XXXX, NY XXXX And per 12 CFR 1016.7 again, I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have had XXXX credit cards opened without my knowledge this past month. XXXX was opened on XX/XX/2023. BARCLAYS BANK XXXX was opened on XX/XX/2023. BARCLAYS BANK XXXX credit card balance increased by {$610.00} from {$0.00} to {$610.00}. Since then my credit score has went down XXXX points. I have never opened these cards and am worried they know my social security and are able to open more cards on my name.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of identity-theft on XX/XX/XXXX and from that point on, I have been battling with unauthorized accounts being opened in my name, which one of the accounts was opened on XX/XX/XXXX, which is XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and a 30-Day late payment, which was unauthorized by XXXX XXXX XXXX XXXX XXXX which is on a mortgage account on my credit file. These discrepancies are violating my rights under 15 USC 1681b and 15 U.S. Code 1681c-2. Therefore, Equifax is violating my rights and is still reporting these fraudulent accounts/ discrepancies on my credit file, which is a violation of my rights. Also, I have disputed these account several times, and when I called in a numerous of times, the representative says that they do not have my documentation that I sent in overnight certified mail, where I do have tracking numbers. Therefore, there is some unnecessary processes going on with Equifax and if these accounts are not removed from my credit file, then I will be filing a lawsuit and seeking damages of {$1000.00} per occurrence. Please correct this issue and comply with the law. Thanking you in advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My card was used fraudently during XXXX time and chase denied my dispute due to them claiming a fraud alert was sent. However I never received a fraud alert nor any phone call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Brightfunders, LLC
State: MD

Complaint narrative:
My mortgage servicer 's website is completely down and I'm not able to make a payment. I haven't received any notifications, but based on what I've learned online the company is in the midst of a cyberattack. The customer service phone number is no longer working ( when I call I get a message saying " this number is no longer in service '' ) and an email sent to their customer support address is not acknowledged. I've never been late on my payments, but am concerned that without online access or customer service answering the phone, I'm not able to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, 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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
The creditor is reporting to credit agencies that my mortgage account is closed, when it is not closed. I have disputed it through XXXX XXXX which didnt change it, and reported it directly to XXXX XXXX, but they did not correct the error at end of investigation. My husband is showing the account as open, by my credit report shows it as closed after several attempts to fix. XXXX XXXX was not helpful in fixing their own reporting error and refused to help other than tell me to report it to credit bureau instead of fix. This has been shown as closed since XX/XX/2023 which has affected my credit 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: NY

Complaint narrative:
On XX/XX/2023 I received a letter from Credit Management Company that I owed a debt to XXXX XXXX XXXX XXXX XXXX. 

However on XX/XX/2023, I received my monthly statement from XXXX XXXX XXXX XXXX XXXX that my account was current, and gave the current amount due, which was not due until XX/XX/2023. 

I spoke with a representative today, after trying to find an email so I could easily rectify this, but they make it nearly impossible to contact them. After finally speaking with a very rude gentleman, who said they do not make mistakes and I owe them this money, I gave up. 

They didn't want to admit there error, they are nearly impossible to deal with, and my account is current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I send a dispute to Transunion about a public record they are reporting on my credit that is not mine. I asked them to send me the independent investigation that reflects my name address and information and they didn't comply. I want they to delete this account the public record that shows is # 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 2023-12-29 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX we placed a large order online for multiple bathroom furnishings. Included with this was a vanity that was shipped via XXXX. The vanity arrived damaged, so we refused delivery. We did not receive any documentation from XXXX about the refusal, however, this is indicated by the entry on the tracking sheet where it clearly states Refused Damaged on delivery. Per the XXXX manifest, the location is listed because this is the location of the nearest shipping hub. On a similar date, the manifest shows it was delivered but it was not delivered to us because, again, we refused delivery because the item was damaged. Upon speaking with XXXX, they stated when this occurs, it is delivered to the local store. XXXX also stated that when this happens, a new tracking number is created and the shipment signs for itself. 

To further confuse matters, we re-ordered the same vanity a few weeks later. This was not damaged and we accepted shipment. This vanity is currently in our bathroom and in fine working order. 

In the process of this, I spoke with XXXX XXXX Customer Service about the return. I was assured that once XXXX XXXX received the item back, we would be given a refund, but the process would take some time. The XXXX XXXX Customer Service Rep also spoke with XXXX XXXX XXXX, explained the situation, and wrote a letter so we would receive the new vanity under the same promotional rate as the damaged vanity. Ultimately, we did not receive the refund for the damaged vanity. 

I spoke with XXXX XXXX XXXX XXXX again in XXXX. I spoke with the call center again. The rep made updated to the comments but advised I could not speak with anyone in the disputes area directly. At that point I also reached out to the XXXX  shipping hub in XXXX and received the information explained in the first paragraph.

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc.
State: TX

Complaint narrative:
This happen during the pandemic and I was making all my payments on time for Self credit card builder. and then I couldn't log in to the app. I called a number of times but because of the problem with covid i never got no answer from customer service. I try sending emails and chat message but no response. I missed XXXX payment but then received a letter of XXXX balance. I wanted to pause my account because I was getting unemployment  but I it was cut off for error and covid government cap and had to wait to receive the payment the following year. 
I want to say I reached out but couldn't ever get a live person on the phone line .or on chat and the app wasn't working. So I lost my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to XXXX XXXX. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the Equifax data breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 7 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is XXXX  XXXX XXXX. See the Equifax data breach claim ID attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: IN

Complaint narrative:
I was approved for a {$700.00} loan and I am charged XXXX payments of {$180.00} which my ending payout about will be almost {$4000.00}. I am currently struggling to pay this amount XXXX due too being a XXXX  mom, having no extra income for assistance, and other bills that I can barely afford due to outstanding balance fees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
Company " Charged off '' account XXXX XXXXXXXX and is unable to verify debt or sent any documentation requested. I requested back in XX/XX/2023, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given, written or unwritten, verbal or nonverbal, per 15USC 6802.

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 2023-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
I have been trying to get information from my mortgage company since XXXX. They have sent me the note that they have, however it has been altered and additional pages have been added to it. I have asked multiple times why and what those papers were, and they keep sending me letters that say they need more time, it's going to take longer than 30 days to get that information. Now I am receiving calls, multiple, everyday, and when I answer the line starts ringing but nobody answers. Then I receive calls with an auto response that says Mr. Cooper is trying to contact me. I have called them and when I've asked to speak to the loan specialist on my account they never transfer they say they can help me. Then I get put on hold and hung up on. I don't know what to do now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXXXX/XX/23 Applied on online for US Bank balance transfer. I spoke with XXXX Bank Rep was informed that I qualify for balance transfer. And request to provide info. However he stated I was approved for XXXX Bank {$1000.00} credit card which I informed him I did not want XXXX Bank credit card and only interested in balance transfer. They pulled my credit report twice which now has lower my credit score. I was mislead.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation