vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: AL

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 DEPT OF EDXXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-21 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: FL

Complaint narrative:
this is for a XXXX XXXX credit card that was opened XX/XX/XXXX and closed XX/XX/XXXX but on my consumer reports its showing late payments in XXXX, XXXX and XX/XX/XXXX with a last payment in XX/XX/XXXX this account has been disputed many times to be resolved or deleted from my credit report i got deleted XX/XX/XXXX but for some reason its back reporting with late payments on both equfax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
For the last 5 days I've been trying to transfer my money from Paypal to my XXXX card and it won't let me do it I have contacted PayPal about this on ever day and they keep saying give us 24 hrs well the 24 hrs turned into over 100 hrs and I just got off with the supervisor for the third time and he said the same thing again to wait 24 hrs I really need the money transfer but they are given me the run around thank you a god bless you the amount is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and the CORRECT Address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. 

Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  L Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX  Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended.

Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, 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 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I CONTACTED SUNRISE CREDIT SERVICES BY PHONE AT ( XXXX ) XXXX ON XX/XX/XXXX AND MADE A PAYMENT BY PHONE WITH A REPRESENTATIVE BUT BEFORE MAKING THE PAYMENT THE REPRESENTATIVE TOLD ME THAT THIS ACCOUNT WOULD BE DELETED OFF MY CREDIT REPORT ONCE I PAID THE ACCOUNT. SO I PAID THE ACCOUNT TO XXXX BALANCE AND REPRESENTATIVE PROVIDED ME THE CONFIRMATION # XXXX ITS BEEN 1 YEAR AND THE ACCOUNT IS STILL REFLECTING ON MY CREDIT REPORT. I DISPUTED THIS ACCOUNT WITH XXXX BY FAX ON XX/XX/XXXX EXPLANING THAT I PAID THE ACCOUNT AND SUNRISE CREDIT AGREED TO HAVE THE ACCOUNT DELETED OFF MY CREDIT REPORT AND THE RESULTS CAME BACK THAT SUNRISE CREDIT VERIFIED THE ACCOUNT AND SHOULD REMAIN ON MY CREDIT REPORT. I AM REQUESING FOR YOU TO HAVE THIS ACCOUNT REMOVED IMMEDIATELY FROM MY CREDIT REPORT AS I HAVE ALREADY PAID OFF THE ACCOUNT AND THE AGREEMENT WAS THE ACCOUNT WOULD BE DELETED OFF MY CREDIT REPORT ONCE PAID sunrise 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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
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 2023-03-21 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: PA

Complaint narrative:
I am a victim of identify theft. There are 3 items on my credit report from cell phone carries XXXX, XXXX and XXXX. I think it may be someone in my household and I would like a block on my social security number and from new accounts being open in 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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This is follow up. Wells Fargo executive called me and he promised he would return my calls and send my mortgage file over three weeks ago. He has refused to return calls or to provide me with my information. I have a recording if this.

He further agreed that I would receive compensation as I was not given a modification, was dual tracked, given 42 agents and no notice and other abuses.

I WANT TO BE COMPENSATED FOR LOSS OF XXXX in equity and other horrific damages. 

They lie and continue to stonewall and lie. 

Please do your job and enforce the order by the judge. My life was destroyed. This is little enough justice make them pay as I am owed compensation for their scams.

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 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: MS

Complaint narrative:
This letter serves as a formal complaint for improper use of my report that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. 

I also respectfully request to be provided proof of this alleged item. By the provisions of the consumer protection laws, I demand that if unable to provide lacking proof of these payments being late, please update payment history to PAANL status ( Paid as agreed never late ). 

It is my understanding that you must validate these items with the reporting creditor for accuracy, Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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 card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
On XX/XX/XXXX we received mail correspondence from FNBO ( first national bank of omaha ) containing two XXXX credit cards that neither my wife nor myself had ever applied to receive. Further, neither my wife or I have ever been FNBO account holders or FNBO bank customers. I called FNBO to report the incident and they cancelled the account and the credit cards on XX/XX/XXXX. The FNBO representative had no useful information to share on how the cards originated - who had applied for the cards- or why they were sent. The cards were marked " member since XXXX '' but as mentioned, we have never been FNBO customers.

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 2023-03-21 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: FL

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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My issue is regarding Capital One I received a check for my taxes of XXXX dollars and XXXX cents and XXXX XXXX decided to close my account and put my check on hold for 10 days. This caused my Capital One payments to be returned and my account is now closed. I spoke to Capital One multiple times and they gave me the same explanation and I spoke to XXXX XXXX and asked for their help because this was all their fault they shouldve never put my account in a closing stage specially that I did nothing wrong. I want this issue resolved because I want to keep my credit account opened. This was my first ever credit card account and its made me so upset that Ive been feeling XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my mind. This has affected me deeply because i always payed on time and never had issues or gave Capital One issued. This has affected me deeply mentally and emotionally and specially financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XXXX XXXX XXXX ( Not XXXX XXXX ) unfairly charged me on an account that I have not used in years. Originally I started an account with them due to my low credit, and trying to build my credit score up. However, once my credit improved I stopped using their card. However, somehow, a month ago, I received a message from a Collection company, LVNV Funding LLC collection company, who claimed I owe XXXX dollar on the XXXX XXXXXXXX account. 

Throughout the 6 months ( Since XXXX 2022 ) that both they and XXXX XXXX claimed that I owe money, I have never once gotten any sort of noticed that my account was charged without my permission. And now both companies refused to work with me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
regions bank told me that they would right up the {$52000.00} as fraud months ago then they reported me to the credit bureau.

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 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
The following account has just shown up on my XXXX credit report... AWA Collections not only is this account completely fraudulent and not mine, its also as of 3 months from now not even legally collectable here in the state of California. This is the first I have even heard of this supposed debt four years later!

That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 602 A ( 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 ) ( XXXX ) 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.

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. XXXX was the first month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws are attached below.

I have mailed letters to comapny and disputed and they refuse to remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: IN

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 XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
in XX/XX/2022 my account was accesed by an unauthorized individual, funds were stolen from my account. us bank has not remedied this problem. i have filed disputes etc but they were declined.

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 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I live in NC and bank with a local bank, on XX/XX/22 my bank. XXXX XXXX XXXX  XXXX wired my daughter who is a student in the XXXX {$3500.00}. The US receiving bank was HSBC USA, and they were to send the fund on to the XXXX bank that my daughter banks with, which is also HSBC Bank XXXX. The funds never made it to her acct. and the funds have been sitting with HSBC us. My bank has tried a doz times to reach out to them and ask them to return the funds and they will not reply to any emails sent. Also 3 months later I still have not received the funds back and my local bank feels that they have no more options on how to get my money back or forward it on to my daughters acct. Any help you could do, I would be very great full as this money was for her living expenses over the next quarter for school. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation