vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
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 2023-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: IN

Complaint narrative:
I had internet service from XXXX. It was supposed to be free for a certain time, and then I would be billed. I received the modem and set it up. It never worked. I reached out to the sales rep that came to my house and he was no help. In XXXX my sister got sick, I was staying at her house whenever I wasn't working. In XXXX, she was admitted to the hospital with XXXX  XXXX XXXX and was XXXX  from XXXX - XXXX. I forgot about the service until XXXX dropped off a box for me to return the modem, I still had my XXXX XXXX XXXX XXXXXXXX since I never got XXXX XXXX to work. I returned the modem in XXXX, they received it Friday XX/XX/XXXX at XXXX XXXX in XXXX XXXX, TX. They are still charging me for the modem. I sent them proof they received it. They keep saying they can't remove the charge only the collection agency can. I talk to the collection agency and they say XXXX has to tell them to remove it and haven't. I have tried to do a 3 way call and both companies refuse. XXXX even claims they can't access my account anymore. I went into the XXXX  store and they told me they could access my account and they were unsure why the telephone reps said they couldn't. The first collection company they sent the bill to disputed the charges after I sent them proof the modem was returned, and XXXX just sent it to a different company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 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 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
Received numerous voicemails and they are making numerous calls to different people within my company. The last call they said they are with the XXXX XXXX XXXX 's office and it's urgent they speak to me. I called back and they are not with the clerk 's office the lady said the company is XXXX or XXXX XXXX XXXX. She also told me my wages will be garnished and asked if my employer had told about the garnishment. I told her no and that I know they can't garnish my wages without a court order so send me the court date. I asked why they are saying they are with the XXXX XXXX XXXX 's office when they are not and she said that is someone else who is trying to serve me that made the call. 

I then called the XXXX XXXX XXXX 's office and there is not record of an impending court case or date and there is nobody serving for me a court date as nothing has been filed in the court. 

Phone # XXXX that they have called me from are XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed the unverifiable Public Record being reported on my credit report in XX/XX/2023. The dispute results came back " verified/belongs to you. '' I contacted the Court of Record and the third-party used to verify public data. The Court Record stated they do not provide or validate any information. The third-party, XXXX, stated that the information was unverifiable and removed deleted the information. 

I then sent another dispute on XX/XX/2023 and included the letters I received from both places. I looked online and saw that the investigation was closed on XX/XX/2023, with no results displayed. On XX/XX/2023 I called to receive the dispute results and was told by an Equifax representative that the dispute results were that the information was verified by the Court. I asked how that was possible and I was told that I would be sent a letter. I asked for this to be escalated and was told that was not possible because the information was verified. 

The first time I disputed the inaccurate information I was told that Equifax verifies the information through XXXX. When I provided proof that XXXX had removed the information because it was unverifiable, Equifax then claims they got the information from the Court. 

This is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is a XXXX XXXXXXXX credit card showing on my credit report which I never opened since XXXX. 

I am not liable for this account and want is removed expeditiously.

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 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I had a dispute with XXXX University last month for {$42.00}, Client Accounts Number XXXX, and Accounts Receivable Resources Account # XXXX. When I called yesterday and today, they claimed it verified it was valid. Still, they didn't send me anything to prove that saying that it was valid and won't help me redispute or dispute it again because I disagree with it, and they keep hanging up on me and getting smarts to me over phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check in the amount of {$3600.00} on XX/XX/2023 into my personal checking account through the mobile banking app. Truists XXXX XXXX department suspected the transaction as fraudulent. Truist not only put a hold on the deposit but froze all accounts, including our business account, until the investigation is complete, which can be up to XXXX business days. We can not deposit nor withdraw any of our cash. All of our funds are with Truist. We have no money for XXXX business days. My husband is unable to conduct business until the investigation is complete. I requested proof of fraudulent activity but was told its merely under investigation. While I appreciate the need to investigate, preventing our family of XXXX from accessing our money feels criminal. For what its worth, the check is from a former employer and is in fact not fraudulent. It is for unpaid wages following my departure as their employees. They would have happily vouched for the legitimacy of the check if asked. There is no evidence of it being fraudulent ( only the banks suspicion ).

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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.

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 inructions 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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is being sent today in order to formally contest some errors found on the credit report. Some discrepancies were discovered during a recent review of the credit report, which has caused my credit score to suffer. 

A prompt response to look into these inconsistencies and make the necessary corrections is expected given how serious this problem is. The credit system is made to accurately reflect consumers ' financial circumstances. However, the appearance of these errors raises concerns about the efficiency of that system. 

Dealing with these errors is difficult despite efforts to keep finances in order. It is doubtful whether this important financial document is accurate, which could have an impact on future financial decisions and the credit score. The potential effects of a system-generated report on one 's financial situation demand serious consideration. 

The seriousness of the situation is highlighted in light of the current circumstances, and an immediate conclusion to this dispute is urged. We need your help to solve this problem and deliver a credit report that accurately reflects fiscal responsibility. 

A timely response to this important matter is desired. A correct credit report can be obtained with your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I received an alert from XXXX stating that my credit score has decreased and that an inquiry was made from JPMCB CARD SERVIES ( known as JPMorgan Chase Bank ). I then contacted them to investigate on this inquiry in which I was told by them that someone accessed my chase account and applied for a credit which was approved on XX/XX/2023. The rep advised me that although the account was opened the card had not been sent out yet so she was able to close the account in time. The rep was also able to confirm that the Checking/ Saving account I have with them is still secure but I was still able to change the password on my account as well as add a voice authenticator passcode incase I call to access my account over the phone. 
My SSN was stolen a few years back and I am nervous to think that I am now vulnerable to this happening again but this time with another company which will impact my credit score even more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Barclays Bank continues to submit inaccurate derogatory ratings to the 3 credit bureaus. They are stating that I am 30 days past due in XXXX. That information is inaccurate. I paid the monthly amount month over month until I paid the account in full in XX/XX/2023. I made good faith payments every month. Also, they were unwilling to work on other matters as well. I put in disputes with all the credit bureaus and as soon as its fixed, Barclays sends out another inaccurate rating and balance due again and my scores go back down. The account is closed. They need to stop sending credit updates ; its paid in full and its closed. I want them to stop doing this to 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to demand the removal of inaccurate account reporting to my Consumer Report. Tropical Financial Credit Union is reporting an account that is a violation of the law. I do not give consent, written instruction, permissible purpose, authority to disclose my private or financial information. The consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal this obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This account has been paid, yet reporting derogatory in violation of the FCRA which assures maximum due diligence into reporting.

This violation of my rights to privacy is very serious and does come with legal implications for all parties involved. I am giving in good faith opportunity to cure. Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA. This is also a violation of the criminal and tax code.

Rather than risk liability for the hundreds of thousands of dollars in fines, fees, and penalties for these violations on the creditor, data furnisher, reporting agencies. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue.

Have a blessed day.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to demand the removal of inaccurate account reporting to my Consumer Report. Tropical Financial Credit Union is reporting an account that is a violation of the law. I do not give consent, written instruction, permissible purpose, authority to disclose my private or financial information. The consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal this obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This account has been paid, yet reporting derogatory in violation of the FCRA which assures maximum due diligence into reporting.

This violation of my rights to privacy is very serious and does come with legal implications for all parties involved. I am giving in good faith opportunity to cure. Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA. This is also a violation of the criminal and tax code.

Rather than risk liability for the hundreds of thousands of dollars in fines, fees, and penalties for these violations on the creditor, data furnisher, reporting agencies. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue.

Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: KY

Complaint narrative:
My initial credit line was XXXX XXXX 
I could not make payments due to a bug in their system. I had to call every month and pay over the phone. Company got on my browser with me logged in and seen this. They reversed late payments 2 or 3 times because the web page kept crashing every time I tried to make a payment. Out of the blue they raised my limit to XXXX $ and then dropped it to XXXX XXXX 
This decreased my XXXX score by XXXX points. I was in the process of getting a business loan secured by my personal credit. This obviously threw a wrench in my plans. I called the credit card company ( us bank ) to see why. 
They sent me to the underwriting department who said it was because of late payments. Not even bothering to look and see that I couldn't pay if I wanted to ( which I obviously did ). Looking online for answers I found the fair credit reporting act I found this. 
According to the Fair Credit Reporting Act, the only reason a card issuer needs to inform you about a credit limit decrease is because you missed a payment, are only making minimum payments on a high balance or took some other negative action that raised a red flag. In that case, your issuer would have to call or send written notice by mail or via the secure online message center. 


So I called us bank back on a recorded line and asked to speak to underwriting. 
She told me there was no such department. 
I asked to speak with a supervisor. 
The supervisor ( XXXX ) told me the same thing I already heard. 
They throttled me because of late payments. 
I then informed her of the fair credit reporting act to which she said they can do this to me because it's in their terms of service agreement. 
I asked if that means they don't have to adhere to the F.C.R.A.? 
She basically told me whatever I read to her doesn't apply to them. 

So in a nutshell, us bank solicited me a cc while i was shopping in XXXX. 
A cc which I didn't need. At the time I already had at least XXXX $ of unused credit at my disposal. Well I signed up anyways thinking it would save me on gas. Instead this XXXX ended up costing me XXXX points off my credit score, hours of time trying to resolve countless issues I had to call about and now it's costing me a loan to open my small business. 
I have since sent payment of the total balance to us bank and I'm sure even paying it completely off won't raise my score XXXX points. 

I would like for them to make this right. 
It is a blatant violation of the F.C.R.A and they don't seem to know this which tells me that this is common practice to them. 
No letter and or message was ever sent to me entailing their decision. 
XXXX XXXX XX/XX/2023

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