vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has my account on collections which should not be in collections. Previously XXXX has said after submitting my insurance card at the time they will delete all collections that happened after that. In my attachments it's clearly shows I had insurance PRIOR to the collection date. I'm asking the beaurus to do their due diligence and the facts I presented to have these items deleted. And not just accept the companies response of " account is verified ''. I'm also uploading my license and social to verify myself so the besrud don't mail me asking for 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 non-monetary relief
Consumer complaint received 2022-09-22 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022

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 2022-09-22 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:
This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00}

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 2022-09-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX, and Trans Union violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

This violation has caused me great grief as to my credit score.

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 2022-09-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Equifax, and XXXX XXXX violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

This violation has caused me great grief as to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
This is the ongoing issue since XXXX  when i submitted complaint about CIT Bank NA about not being able to modify the loans. CFPB DID NOT HELP TO RESOLVE THE ISSUE NOW IM IN FORCLOSURE. YOUR TRUTH IN LENDING ACT IS ONLY ON THE PAPER AND NO ONE ENFORCESES IT. Now I know the real reason why it was never done and why I'm in the foreclosure. 
IndyMac Bank FSB did sale and lease back with the help of One West Bank N.A. ILLIGALLY, by committing fraud on XX/XX/XXXX, 5 days prior the day XX/XX/XXXX. One West Bank helped IndyMac Bank FSB to get HELOC out under my name, I never cashed it out. I asked the bank who and how it happed they said it's been too long ago, and they have no record however the money {$130000.00} was taken out as cash then loaned to me 5 days later, I did not own the house I could not have taken out HELOC, I was purchasing the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The bank is demanding money on the default, and it's been 5 months since I discovered fraud. XXXX XXXX XXXX and XXXX XXXX XXXX AWARE OF IT BUT THEY DO NOTHING ABOUT THE ISSUE AND TRUSTEE KNOWS THAT I WAS GIVEN A FRAUD LEASE BACK LAND OIL, MINERAL LEASE ON A RESIDENTIAL PROPERTY. NO DISCLOSURES WERE GIVEN, i DID NIOT SIGN A PROMISSORY NOTE, NO HUD 1 DISCLOSURE, I WAS GIVEN TITTLE INSURANCE WITH NO TITTLE BY XXXX XXXX XXXX, I ASKED ALL OF THEM THE LENDER THE SERVISERS THE TRUSTEE ABOUT THE ADRESS OF THE TITLE INSURANCE IT'S BEEN 5 MONTH NO ANSWER!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that Experian and XXXX Credit Bureaus closed my complaint to protect my PRIVACY. I called Experian and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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:
My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that XXXX and Equifax Credit Bureaus closed my complaint to protect my PRIVACY. I called XXXX and Equifax after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have a 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. 

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a 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. 

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In the XXXX of XXXX, I received emails saying a payment was due on an Amex card. I do not have an Amex card and never applied for one. I ignored the emails, assuming it was spam. When I noticed a drop in my credit months later, I called Amex to file fraud. It was denied because apparently a payment was made on the account. I tried to file another claim with more information but it has continued to be denied, apparently because that a payment has been made at some point on that card. I never made a payment. Around the same time this card is said to have been opened, I had just been granted full physical custody of my son. I believe that this card was applied for, used, and possible even paid one time for by my ex, the father of my son, in retaliation to that decision. He has ALL my information. I have since changed all my passwords and account information, but he still has my social security number and other information about me I can not change. I am almost positive this was him. This is now seriously effecting my credit and I need something to be done about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX They responded and we followed the directions but when we tried calling the number that was on their final response letter, we can not get a hold of anyone. The case was closed by your organization but nothing has really been accomplished. We've tried calling at many different times of the morning during the week but message is always the same and no one ever answers the phone.

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 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
I have tried to contact Grain 's support center to update my bank account information due to closing my formerly used bank account. The only way to get assistance from Grain is to send an email online or using the mobile app. I sent a support request on XX/XX/2022 to have my bank account information updated so I may make my monthly payment. The company sent an automated response confirming they have received my request and " our average response is around two business days but in periods of higher volume, it may be longer. '' I did not receive any response so I sent another request on XX/XX/2022. It is now XX/XX/2022 and I have not received any response from the company 's support center. My account is falling behind because I am unable to make my payment due to Grain only accepting payments within the mobile app and providing the error " tap 'Contact Us ' to change your linked account. '' This will affect my credit as Grain reports to the 3 major credit bureaus. There is no company phone number to be found in the app or on their website so I am unable to call them to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
under SS.1026.2 definitions and rules of construction number ( 3 ). 1026.2 ( a ) ( 3 ) ( i ) application means the submission of a consumers financial information for the purpose of obtaining an extension of credit and they denied me and i did fill out an application with discover card and as stated under title 15 US Code 1605 determination of finance charge i extended my credit to them and they fraudulently still denied me my own credit there for that is a crime under title 15 US Code 1611 criminal liability for willful and knowing violation and want them to provide me with my discover credit card with open-ended-credit/unlimited immediately without hesitation. 

application number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: PA

Complaint narrative:
I opened an account with the 7-11 Netspend reloadable debit card. The initial deposit was {$20.00}. I then called the number to activate it and deposited an additional {$50.00}, which brought the balance to {$70.00}. The next day I tried using the card and was declined. After a few more unsuccessful attempts, I called the company to complain. I was told it needed to be activated first. However, it was activated and accepting deposits. Next, I was required to verify my ID by sending a copy of my license. This process would take 3-5 days to complete. I waited 1 week and still could not use the card. I called a 2nd time and was told I needed to send a copy of my social security card, in addition to my liscense, in order to use the card. At this point, it has been almost 4 weeks since I bought the card. I refused to send a copy of my ss card to a viritual stranger as it is not legal to request this information. I had verbally given my information twice so far. I argued with the rep and was told " the only way to activate the account is providing my ss card information ". I said no and demanded a refund. The balance available was approximately {$50.00} and change because they deducted maintenance fees for a card I never used. I asked for the entire amount of {$70.00} to b e refunded. I was told they would send a check, but no such check has come. That was 3 weeks ago. I still can't access my money and no refund check has come in the mail.

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2022, XXXXXXXX XXXX paid Discover electronically {$1300.00} for a balance transfer that I requested. I provided documents to Discover to show XXXX XXXX  paid them. Four months later, Discover has yet removed the {$1300.00} from my account. So I am being overcharged in credit fees of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: AK

Complaint narrative:
I bought a prepaid scarlet card from XXXX on XX/XX/2022 and loaded it with XXXX $ and then found it is important to activate and get the money out. It can not be used to buy anything transfer money anywhere or use an atm to get cash out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY RESOURCES, INCORPORATED
State: OH

Complaint narrative:
I have told the mortgagee company many times that I am no longer in Bankruptcy. Ive called multiple times. My Bankruptcy was voluntarily dismissed in XX/XX/XXXX. The mortgage company will not acknowledge this and continues to prevent me from logging online to pay my account, view my balance etc. Im making payments to avoid collection ; however, I just received a notice XX/XX/XXXX stating my loan is in default because I havent made a payment since XX/XX/XXXX. However, I receive statements each month with my payment showing being made. They need to update my loan and take me out of bankruptcy.

Company response to consumer: Closed with explanation