vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account # 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 XXXXXXXX XXXX XXXX, XXXX, 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: OR

Complaint narrative:
I signed up for classes at XXXXXXXX XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX program. Originally they told me I could not register, because I hadn't finished a XXXX  course. Later they did allow me to register, and so I did, but because I hadn't finished the XXXX, they then told me that I could not receive financial aid. I promptly dropped all my classes because I had no way to pay for them. They then charged me a 20 % fee for dropping my courses, even though I never attended and they admitted me past the no fee dropout timeframe. It's not fair or right, that they charged me close to a XXXX dollars and then sent the bill to collections. Predatory practice. They should have not charged me anything, because I promptly dropped all courses before they started. 

Please help me get rid of this on my credit report. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: CA

Complaint narrative:
There is fraudulent inquiry from Elan Financial for a business car.d I dont recognize I am requesting the inquiry be removed asap

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 2022-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OK

Complaint narrative:
All i want is my account to be updated on the payments and verify my employer which i have submitted to them many of times. Just submitted one in XXXX. 

There is the new thing to come out which your payments do not have to qualify for the income driven payment. to qualify for the loan forgivness program now. 

I have also submitted to them proof i work for a state run medical hospital for 10 years. So that should have a great impact on my loan to be dismissed or not many payments left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: V and H Portfolio
State: TX

Complaint narrative:
I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " Vance and Huffman '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/2022, I received a balance transfer offer from Chase card services for my Amazon Visa. I called to ask questions about the program, the biggest of which was " Can I still use the card and avoid any interest or fees on my new charges? '' I was told yes - as long as I pay the full amount I charged that month and the minimum payment due, it would be my " interest saving balance '' payment. So I decided to proceed. I had to listen to a whole recording, which confused me, so I asked it AGAIN, and was assured I would incur NO interest or fees on new charges as long as I paid as described, so I proceed with the balance transfer. 

I then get my first bill since the transfer in XX/XX/2022 and even call to confirm I am paying the correct amount to ensure no interest or fees. I pay MORE than that amount... and then my statement in XX/XX/2022 shows INTEREST. I immediately call and am told I was never told that. I ask them to pull the recorded calls - I am told she can not do that. I ask that this be looked into, as I was told multiple times between two separate calls : NO INTEREST on new charges!!!!! I received a letter a week later that the fine print said otherwise - no look back on THEIR employees calls and statements or how I was mislead. NO apology. NO help. BEWARE as they don't stand behind their words or their employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

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 2022-04-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is being filed because of the constant non-compliance of Equifax. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/XXXX I mailed a letter to Equifax challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX I recd a response dated XX/XX/XXXX stating account had been verified belonging to me and has been updated. I wrote another letter and mailed it certified to Equifax on XX/XX/XXXX to Attn : Dispute XXXX I explained I was left with no choice but to file a complaint with the CFPB, Attorney General, XXXX  and XXXX against XXXX XXXX System XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the XXXX XXXX. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Please note the so call verification was done on XX/XX/XXXX but the letter sent supposedly to credit reporting agencies for deletion of the account is dated XX/XX/XXXX. Why was it verified and updated by Equifax when XXXX XXXX XXXX XXXX XXXX XXXX XXXX had already sent a request for deletion. Why is this account still on my credit report? When I sent proof, it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Accelerated Portfolio, Inc.
State: TX

Complaint narrative:
I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " XXXX and XXXX '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: NJ

Complaint narrative:
I submitted a dispute to Transunion about a late payment from my XXXX XXXX credit account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Transunion and proven to be late before they reported 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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXXXXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: DC

Complaint narrative:
On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of the two negative accounts that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The XXXX accounts read ( DEPT. OF HUMAN SERVI ). Equifax failed to Investigate the first time and now they're performing a re-investigation witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and the DEPT. OF HUMAN SERVI are committing Fraud and Identity theft. I the consumer just got an update on the ( XXXX of XX/XX/2022 ) from Equifax that they ( removed/Deleted ) the XXXX FRAUDULENT ACCOUNTS ( DEPT.OF HUMAN SERVI ). DELETION IS ADMISSION and Equifax Caused DAMAGES to I the consumer, I the consumer Is Demanding monetary relief for the following violations/Damages In accord to federal law ( FCRA ) : 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681.

Equifax and the ( DEPT. OF HUMAN SERVI ) Violated Title 15 USC 1681b ( a ) ( 1 ) Under permissible purposes of consumer reports and Violated Title 15 USC 1681a ( e ) Investigative Consumer Report.

I The Consumer/Natural Person, Experienced SLEEPLESS NIGHTS, ANXIETY, my REPUTATION RUINED, HUMILIATION, and UNABLE TO WORK. 
AMOUNT : {$3000.00} DUE UPON RECEIPT PAYMENT METHOD : PAY BUY CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies 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, SD 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies 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, SD 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I applied for a refinancing of my home in person at 5th 3rd bank. On XX/XX/XXXX, I had all documents requested in to the contact person at the bank. Since that date they have requested multiple documents including sending me to the local county recorder to record documents costing almost {$60.00}. My complaint is less about paying this fee but more about still no closing date. Through the attorney general office complaint I sent, I was contacted by this companies " presidents office '' to try to find out what is holding up closing. That was XXXX weeks ago. Today is XX/XX/2022 and I still have no information as to when closing will be. Since they have not processed this refi timely, they had to request my monthly income for the XXXX time and now are running my credit yet again since the timeframe has passed. No one can tell me why this is taking so long. My credit is excellent. It is not that I don't qualify. I've bought several homes and done several refi 's and never experienced this blatant incompetence. The decision to refi was due to the fact that interest rates would start rising. On XX/XX/2022 I asked that it be locked in. I can't even get an answer from them that it is locked in. Even the presidents office ( XXXX Ohio ) can't seem to move this along. I was promise no longer than 90 days. Per them usually 60days for what they call an " XXXX XXXX ''. Its now 120 days. It seems they are not motivated to do anything. I received multiple mass mailings and emails from this bank advertising a refi special for existing mortgage holders of only {$290.00} in closing costs. The truth in lending form indicates over a XXXX in closing costs. Between the " loan XXXX '' who communicates through email and the brick and mortar representatives, it is becoming clear something is seriously wrong with this companies " retail refi process ''. I can't start over with someone else because the interest rate now would be higher than the one I have now. I feel very abused in this situation. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2022 Received a letter from Regions Bank dated XX/XX/2022 ( attached ) stating I declined overdraft coverage on account I do not have with them. I called Regions Bank on XX/XX/2022 and was instructed to fill out an Identity Theft Kit. I don't know any other details other than the letter I received. The bank would not provide me any additional information other than to fill out the report and send to them. I also ran credit reports from XXXX agencies and neither showed any accounts from Regions Bank. Both reports listed known accounts for me.

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