vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: IL

Complaint narrative:
XXXX CONTINUES TO NOT BLOCK FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT AS A RESULT TO IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2023, USAA Bank closed my account because they stated I used my account for business transactions. I clearly stated and can provide proof that my account is only used for personal transactions. I am in the military and because of this account being closed, I have to go through the process of updating the military with a new account for my military pay and this will take at least 30 days to process. This will have a financial constraint on my family and I pleaded my case over the phone and provided verbally what the transaction are and what they were for but they still closed my account. They also didnt take anything I stated into consideration and would not provide me any proof as to how my transactions in my account was business related. They just closed the account on an assumption and never confirmed with me about anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XXXX, Chase closed my checkings and savings accounts saying that they think XXXX checks I deposited in XXXX are suspicious because they couldn't verify the issuer of the XXXX checks. By the time they closed my accounts, the remaining balance is around {$5800.00}, and Chase has been freezing my money for over XXXX and a half months. I have contacted Chase customer service multiple times, but the customer representative keeps telling me they are going to hold the funds, and they can hold it for as long as XXXX years. And today I received a call from the issuer of the XXXX checks verifying that the funds have been cleared from their end, meaning the money is already in the Chase system. I have to sell my car to cover my living expenses for the past XXXX months and this has caused so much incovenience for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian, XXXX and XXXX are the companies reporting information to my credit file that are a result of identity theft. I have gone a step further into creating a police report with the following reference number ref : XXXX I have previously reported this to the federal trade commission and XXXX to the cfpb and these credit bureaus continue to not provide me with what I have specifically requested which is a contract with my signature on it for each and every fraudulent reporting item on my credit file. 

several years back i placed my wallet down in a department store and it was stolen! the items inside where my social security card and my licenses containing my addresses and a couple XXXX dollars. Today i took it a step further and reported a police report stating this exactly and additionally that my information continues to be used for credit. 

I am requesting a set of contracts with my signature on them to verify that these negative reporting items are indeed mines. I do not need these negative items to say verified, or updated. i need to be sent a written contractual agreement with my signature on them or a swift removal of said accounts. 

In the past I have not had the resources to take the credit bureaus to court but today is different and I have documented everything I've done to try and get these negative items removed for my legal safe keeping, I am ready to take this matter to legal proceedings. This is a request to have this matter taken a little more seriously and provide me with what I have requested. 

Note i have never had a fade hand dealt at credit in my life because of this The items reporting on my report that should not be reporting and any and all correlating hard inquiries related to said fraudulent accounts. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax will not removed a debt of XXXX that doesnt belong to me, from my Credit report Ive called and also mailed court documents and also did a dispute with my court documents that this is not my debt completed online also. But still not off my credit this has been on my credit for 2 years with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
see previous CFPB complaint XXXX and attachments. 
Chexsystems created an unwarranted report based only on XXXX banks having merely checked Chexsystems to see if there was information there, ( I had applied recently for accounts at XXXX XXXX and XXXX ). They also gave XXXX an unbelievably low score in the XXXX 's. Then they blocked, ( and are still blocking, see attached ) ) dispute on their portal, ( to evade admissible documentation of such dispute ), telling me to go off record and telephone them. 
After the previous CFPB complaint they sent me in the mail a new report with the XXXX and XXXX XXXX queries erased and a new score in the XXXX 's ( score attached ) but still insist on a Chexsystems report itself being in existence based on mysterious references to ( queries ) They refuse to close the report. 
*Chexsystems counsel please do not include irrelevant obfuscating information in your response, just clear succinct sentences so as not to irritate Senate Banking Committee or Comptroller investigators trying to follow. Please note that lawyering the response to evade correction of the error will simply create another CFPB complaint, and another, and another, and another.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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 Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-10-26 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: Experian Information Solutions 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 Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 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 2023-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
I have requested an original signed contract and they have yet to send me a copy. I don't owe this debt.

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have had a chime acct for 10 years with direct deposit in excess of XXXX dollars monthly and I have both a chime checking debit card and credit card which I use at least XXXX times monthly. They have a spot me option for all customers. They have been advertising for months now that if you open an acct you will get a spot me if XXXX dollars. They require you to have XXXX in direct deposit monthly and to use chime card. I have never in XXXX years been allowed more than XXXX dollars and I've asked them over a dozen times why am I not given the same XXXX they offer everyone. There only excuse is to say that it's computer generated and they have no control who gets it. This is plain deceitful marketing practices. I am enclosing a chat with them that went on for XXXX days XXXX emails and they still refuse to acknowledge there promise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for violation of it's terms but have no example and will not reinstate my account or give me any reason why they will not. I have not purchased it sold any goods that would have violated the ToS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello I hope all is well. I am writing you because I have attempted to reach out to you aboyt a fraudulent account on my credit report. The account does not belong to me and there is inaccurate information reporting on my account Everything on my credit report needs to be 100 % accurate and under U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) these accounts are in violation of not reporting with 100 % accuracy across all three reporting agencies there are inaccuracies and inconsistencies.

Also 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 an account without the written consent of the consumer.

I never gave consent to the furnishing of the account and I want to exercisize my right to privacy.

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 2023-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
WE HAVE A 30 YEARS FIXED VA LOAN MY HUSBAND IS A VETERAN XXXX 'S ELDERLY XXXX XXXX HIS SPOUSE ELDERLY 100 % XXXX .CARRINGTON MORTGAGE SERVICES IS SERVICING THE LOAN HAVE NOT APPLIED XXXX MORTGAGES PAYMENTS MADE XXXX, XXXX AND XX/XX/XXXX THEY HAVEN'T PLACED BACK IN OUR 'S ESCROW ACCOUNT {$4600.00} ILLEGALLY AS NOT AUTHORIZED OR EVEN DUE IN XXXX XXXX THIS AMOUNT IS MISSING FROM OUR 'S ESCROW ACCOUNT CARRINGTON NEVER SENT THE REQUESTED DOCUMENTS ESCROW ANALYS, MONTHLY MORTGAGE STATEMENTS HAVE REFUSED TO LET US REPAYING XXXX 10 MONTHS FORBERANCE DIVIDED IN XXXX OR 16 MONTHS THEY REPORTED A FALSE LOAN BALANCE OF $ {$590000.00} TO ALL CREDITS BUREAU 'S THEY REPORTED US ILLEGALLY XXXX OUR 'S CREDITS WITH THE XXXX BUREAU 'S XXXX XXXX AND XX/XX/XXXX FALSELY XX/XX/XXXX WE PAID {$4500.00} TO STARTING PAYING OUR 'S MORTGAGES THE MONEY 'S DISAPPEARED THEY ARE REFUSING TO REIMBUSED US {$1000.00} FOR A REFUND CHECK ISSUED BY CARRINGTON TO XXXX XXXX XX/XX/XXXX MAILED TO US XX/XX/XXXX XXXX CAN NOT BE CASHED. BECAUSE EXPIRED THEY CHARGED XXXX WITH LATE CHARGES ILLEGALKY UNDER THE VA XXXX XXXX AND XXXX XXXX XXXX ILLEGALLY LATE UNDER THE COVID XXXX EMERGENGY LAWS THEY NEVER MAILED XXXX OUR 'S MONTHLY MORTGAGES STATEMENTS WE HAVE ONLY 2 MONTHLY STATEMENTS LATE FEES LATE CHARGES ALL KIND OF UNFAIR ABUSES AND ILLEGALITIES WE ARE SUFFERING AND HAVE SUFFERED ILLEGALLY NOW BY PHONE THEY TOLD XXXX THAT THE XXXX TRIAL PAYMENT 'S NEVER REQUESTED OF {$5000.00} HAVE BEEN CANCELLED THEY NEVER REPLIES OR SENT ANY LEGAL INFORMATIONS REQUESTED ALL THE REQUESTED ESCROW ANALYSIS RECORDS THE PAID PROPERTY TAXES RECORDS THEY TOLD XXXX THAT THEY WANTED ILLEGALLY MODIFIED OUR 'S LOAN WITH VA VETERANS INTERESTS FROM 2.875 % 30 YEARS FIXED LOAN TO 7.92 % predatory INTERESTS FOR A LOAN MODIFICATION NEVER REQUESTED WE WERE IN FORGIVNESS PROGRAM AND WE GOT APPROVED OUR 'S BALANCE OF 10 MONTHS FORBERANCE IS XXXX AND WE WANTED TO RESUMING OUR 'S MORTGAGE PAYMENT 'S IN FACT WE PAID XXXX XXXX {$4500.00} WE NEED HELP WE HAVE BEEN ABUSED I CALLED XXXX VA THEY GIVEN THE PERMISSION TO CARRINGTON MORTGAGE SERVICE TO INCREASED OURS VA XXXX XXXX POINT TO 3.875 % THEY ARE NOT REPLYING TO XXXX EMAILS WE NEED HELP ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: SC

Complaint narrative:
I just moved to XXXX XXXX on XX/XX/XXXX and I tried to get my XXXX drivers license transferred to XXXX XXXX and I have a couple of ticket to pay and on the criminal background I said I have a misdemeanor charge pending thats why it did. Not come back on the record I was in an accident on XX/XX/2021 and XXXX every XXXX from my waist down.. Just started walking again five months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I contacted the XXXX credit bureaus to inquire about inaccurate information that is currently reporting on my credit profile. XXXX is XXXX account that was opened XX/XX/XXXX on my profile. The account number is XXXX and has a balance of {$630.00}. It was opened against my knowledge and consent, and is a charged off account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( XXXX business ) days after the date of receipt by such agency. ( XXXX ) A copy of an identity theft report ''. Please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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.

has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-10-26 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: Experian Information Solutions 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.

has violated my rights. Or a 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 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