vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The IRS issued me the XXXX XXXX of {$1400.00} through XXXX XXXX Money Network prepaid card. The card was stolen. The thief withdrew the entire {$1400.00}. We kept calling IRS for about XXXX XXXX and were finally told to contact Money Network. 
We raised a dispute for the transactions, and Money Network resolved the disputes in our favor. They sent us a letter stating that the " Merchant Had Credited the Transactions Back to Our Card '' We were glad the dispute was resolved, but our balance keeps showing XXXX XXXX was put back on the card, but it does not reflect on the card balance. We have made numerous attempts to contact Money Network and XXXX, but we are being bounced from one dispute representative to another.

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 2023-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, regarding account number XXXX XXXX in the amount {$78.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXX XXXX in the amount {$260.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I had paid my balance in full about XXXX weeks ago. All of a sudden, yesterday ( XX/XX/2023 ), {$100.00} was taken from my checking account by Bank of America. When I called, they agreed that there was no statement to pay and could not explain why the money was taken. I had cancelled an auto-payment for that amount yesterday, but the money was taken anyway. I was told that it would take up to 10 days to get my money back, despite the fact they took my money with no balance on the credit card to pay. I consider this theft.

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 2023-01-04 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: TN

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. 

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 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 explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX accounts reinserted by XXXX XXXX federal XXXX was deleted in XXXX and then reinserted without a 5 day notice in XXXX. Removed again on XX/XX/XXXX, XXXX as you see in documents. 

XXXXXXXX XXXX XXXXXXXX was deleted in XXXX and then reinserted without 5 day notice i XXXX XXXX. Removed again on XX/XX/XXXX as you see in documents. 

Reinserted for a XXXX time without 5 day reinsertion notice XX/XX/XXXX. 

I wrote XXXX funding a letter asking for proof of debt and showing it had been deleted prior. no reply for XXXX weeks

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 2023-01-04 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: TN

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. 

XXXX XXXX XXXX BANK : # XXXX, DEPT OF ED/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 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 explanation
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

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 2023-01-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
this credit report agency keeps reporting false accounts on my credit report. the account does not belong to me. i have asked to provide XXXX a copy of the original contract that shows my signature XXXX copy of payment history XXXX name and address of original creditor XXXX proof of collection authorization If they cant provide ALL XXXX of the above they are illegally furnishing false information on my credit report they need to remove it immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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:
this credit report agency keeps reporting false accounts on my credit report. the account does not belong to me. i have asked to provide XXXX a copy of the original contract that shows my signature XXXX copy of payment history XXXX name and address of original creditor XXXX proof of collection authorization If they cant provide ALL XXXX of the above they are illegally furnishing false information on my credit report they need to remove it immediately

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 2023-01-04 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: NJ

Complaint narrative:
The limited credit card closed the account due to XXXX XXXX,, they reported closed for months and then on XX/XX/19 they reported delinquent. 
Which I never was and why would you report closed for months then all of a sudden report delinquent? All my bills are paid on time.

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 2023-01-04 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXX/XX/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 2023-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage currently holds the debt for a property that is in a trust. The sales agreement for this property was signed on XX/XX/XXXX and is due to sell on XX/XX/XXXX. 
Item # 1 : PHH refuses to acknowledge or communicate with our realtor even though we have directed PHH in twice writing to do so and have provided all the information necessary to establish this line of communication.

Item # 2 : PHH claims that they can not " locate our account '' - whatever that means- even though PHH provides us with monthly statements regarding the account. How can this be?

Item # 3 : PHH continually communicates with us from a different office location even though they identified a single point of contact in the early stages of communication regarding the property and the loan. 
Chronology of Events : XXXX : Property Owner dies XXXX : Trustees send death certificate to PHH. 
XXXX : PHH sends a default demand letter requiring the trustees for the property to submit the information required by PHH. 
XXXX : Trustees respond in writing sent by certified mail and include all contact information for our realtor who is under contract via a listing agreement as of XXXX. 
XXXX @ XXXXXXXX XXXX : PHH receives letter sent on XXXX XXXX : PHH sends letter extending foreclosure date to XXXX and claims that PHH still does not have authorization to communicate with our realtor. Letter sent from offices in Florida references all the correct account information for the loan. 
XXXX : PHH mails a statement ending XXXX XXXX for the account XXXX : Trustees receive a written statement ending XXXX. 
XXXX : Trustees receive the PHH letter dated XXXX and write a letter that is sent by email on that day which authorizes XXXX XXXX to act on our behalf and directs PHH to communicate with her directly. PHH fails to acknowledge receipt of the email. 
XXXX : Trustees re-send the letter dated XXXX to PHH via express mail with delivery confirmation. 
XXXX : PHH mails a letter to the trustees from a New Jersey office claiming that they are unable to locate the account with the information provided. What locate means is unclear. Why the New Jersey office does not communicate with the Florida office is unclear. Why PHH is still communicating with the trustees when PHH has been notified twice already to communicate directly with our realtor is unclear. 
XXXX : Trustees receive the XXXX letter and file CFPB complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: MA

Complaint narrative:
Credit Report Reference number : XXXX As I was going through my most recent credit report, I discovered some innacurate and incorrect information on my report. I have done my best to resolve this issues with the reporting agencies but they have not taken care of the problem. 

The following are the accounts that I am concerned about and believe that they are innacurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # 's : XXXXXXXX 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 According to Fair Credit reporting Act ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

* Please also remove all non-account holding inquiries over 30 days. 

I will be waiting to hear from you soon about the resolve of this issue. 

Signed : XXXX XXXX. XX/XX/22

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 2023-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We had a home equity line of credit that reached the draw date in XXXX of 2022. I had numerous conversations with Wells Fargo in the previous months about the best way to deal with this. In XXXX of 2022, at the suggestion of one of the employees I spoke with, I borrowed the credit limit against future home repairs I knew were coming up. I then arranged to transfer the balance to a new loan with affordable monthly payments ( approximately {$450.00} ) at at the prevailing interest rate ( somewhere in the neighborhood of 5 % ). I was sent some documents to fill out and return via email, which I did. Subsequently I called to make sure they received them when I heard nothing back. I was reassured that they had, and that things were on track. Now we have received a statement from the Home Equity Line of Credit with a minimum monthly payment of {$1400.00}, {$450.00} of which are " finance charges. '' Certain that this was an error, I called Wells Fargo and was told that the loan was never finalized because they were missing a second set of documents that they emailed me on XX/XX/XXXX. I never received those documents, although I did receive an email on that date asking me to rate the service I had received. Nobody ever attempted to contact me after that. Now I am told that this " wasn't the bank 's error '' and " the system '' won't let them do anything because it's past the draw date. We can't possibly make the minimum monthly payment on this old loan ; furthermore, I was never notified that there were missing documents that were needed to finalize the new loan. They had my email, my street address and my phone number. I can't help but feel that this may have been deliberate on the part of Wells Fargo. When I asked why nobody attempted to contact me as to why they hadn't received the second set of documents, I was told that that would have been a " courtesy '' that they are not obligated to perform. We were never notified that there was a problem. I feel like we were scammed.

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 2023-01-04 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over 25 years. Chex Systems , Inc., has a current police report on file regarding me being a victim of identity theft. The following inquiries viewed by you and others currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2023-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, regarding account number XXXX XXXX in the amount {$78.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.

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