vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and XXXX that these " collections '' are only hitting the XXXX CBR. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on XXXX to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours Mon- Fri XXXX XXXX which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and ProtectID that these " collections '' are only hitting the XXXX XXXX. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on XXXX to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours XXXX XXXX XXXXXXXX CST which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I alerted my bank USAA of fraudulent transactions from XXXX and and several accounts opened and money transferred into the new accounts from my savings and checking then these accounts were access via ATM and my money taken to the total {$4200.00} I was told that my money would be back in my account after an investigation. XX/XX/XXXX I called USAA to get and update and was informed that my accounts are being frozen and will be closed in 60 days and that I am being held liable for all the fraudulent transactions. 

I have been with USAA for 26 years. 

They dont have any physical branch I can go into and only talk over the phone. 

They say they are closing my accounts and I am being held liable because back in XX/XX/2022 my account hit with fraudulent activity. 

I need help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft and I have tried to have the items blocked from my reports. Each bureau is reporting different accounts which is also against the FCRA. There are several account on my report that do not belong. I have also submitted an Identity theft report.

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 2023-03-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # : XXXX, XXXX # : XXXX, XXXX XXXX INT # : XXXX XXXX XXXX # XXXX and 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-03-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX  Account # : XXXX, XXXX # : XXXX, XXXX XXXX XXXX  # : XXXX XXXX XXXX # XXXX and 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute with XXXX, XXXX, and XXXX regarding reported late payments on my accounts, requesting that they be removed due to clear violation of the law under 15 USC 1681b permissible purpose of consumer reports, and my dispute was denied. This law clearly states : IN GENERAL Subject to some section ( c ) Any consumer reporting agency made furnish the consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of consumer to whom it relates. 

Furthermore, but their credit reporting act 15 USC 6081 ( 2 ) ( a ) ( I ) Versions from consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include : Subject to section 1681S-3 of the title, any ( I ) Report containing information solely as to transactions or experiences between the consumer in person making report ; As a result of this being a clear violation of the law, I want all reported late payments for the following accounts deleted from XXXX, XXXX, and XXXX : Regional Acceptance Acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX I thank you for your consideration in correcting these illegally reported late payments. XXXX XXXX Social security # XXXX DOB XX/XX/1981

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 2023-03-12 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this account.

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 2023-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
So XXXX and TransUnion are ignoring what you send to them now they changed account to a different I sent them as well as you documents proof this is paid .now XXXX transunion is causing me harm and damage and you aren't gon na do anything about well I'm going to the news attorney general and I have notified the same company that investigated credit concepts.its like your allowing these agencies to harm people .I 'm going to expose all three agency.since you are not helping and they are acting like they fixing things .the IRS has been notified and will be contacting all parties involved.transunion rep hung up on me when I asked for the everything on file application who they spoke to how they verified.so now I have to government enforcement involved.im done with these agency they keep discarding my certified mail. And if your not gon na help I will take this matter in to my hands .I have interview with the news and will present everything as to agencies all 3 and credit concepts.im getting discriminated because of fraudulent buissnness and fraudulent agencies.your affectingy life and my kids .and I had enough.so I will help the protection bureau since their not helping Getting this resolved I sent you legal IRS documents .and credit concepts has no proof of payment for loan. These agency won't provide their proof I have phone recordings of them saying they don't have to and email they sent all three they received police report and they refuse to block information.yall had a year now .cause this affecting my kids. Their gon na be criminally punished.fineds not enough .and their ignoring my invoices well I sent everything to IRS since they accepted the discharge. And all this has been filed on record

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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
So Experian and XXXX are ignoring what you send to them now they changed account to a different I sent them as well as you documents proof this is paid .now Experian XXXX is causing me harm and damage and you aren't gon na do anything about well I'm going to the news attorney general and I have notified the same company that investigated credit concepts.its like your allowing these agencies to harm people .I 'm going to expose all three agency.since you are not helping and they are acting like they fixing things .the IRS has been notified and will be contacting all parties involved.XXXX  rep hung up on me when I asked for the everything on file application who they spoke to how they verified.so now I have to government enforcement involved.im done with these agency they keep discarding my certified mail. And if your not gon na help I will take this matter in to my hands .I have interview with the news and will present everything as to agencies all 3 and credit concepts.im getting discriminated because of fraudulent buissnness and fraudulent agencies.your affectingy life and my kids .and I had enough.so I will help the protection bureau since their not helping Getting this resolved I sent you legal IRS documents .and credit concepts has no proof of payment for loan. These agency won't provide their proof I have phone recordings of them saying they don't have to and email they sent all three they received police report and they refuse to block information.yall had a year now .cause this affecting my kids. Their gon na be criminally punished.fineds not enough .and their ignoring my invoices well I sent everything to IRS since they accepted the discharge. And all this has been filed on record

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 2023-03-12 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: Conn's, Inc.
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 A section 2 : it also states a consumer reporting can not furnish an account without my written instructions.

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

In accordance with the fair credit reporting act convergent acount # 12345, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: ARVEST BANK GROUP, INC.
State: NH

Complaint narrative:
At this time I would like to file a complaint about the improper handling of the discharge of my mortgage by Arvest Mortgage Company. 
Dispute with Arvest Central Mortgage Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX XXXX Specifically I am seeking help with their failure to properly follow through and remedy the error they made regarding the discharge report to credit unions and their continued failure to remedy the problem within an appropriate time frame. 

On XX/XX/XXXX I was notified by email and telephone by my current loan officer XXXX XXXX ( XXXX ) XXXX, that his mortgage company was unable at this point to approve my financing for a new home due to Arvest Mortgage Company never publishing the discharge date of XX/XX/XXXX of property I co-owned at XXXX XXXX XXXX, XXXX, NH to the any of the three credit agencies. Currently the account status says more than 120 days past due and/or foreclosure. By law, the account status needs to be discharged with the date of XX/XX/XXXX. I believe Arvest Mortgage is in violation of federal and state law in this matter. 

I immediately called Arvest Mortgage ( XX/XX/XXXX ) and spoke with a customer service representative XXXX XXXX. She said the dispute needs to be sent to the credit dispute department and there is no phone number or extension she can give me to contact them. They only accept email disputes and mailed disputes. She also sent them an email to help start the process on XX/XX/XXXX. 

I received a confirmation email that the email had been received. 

I also followed up with a personal email from me on Wednesday, XX/XX/XXXX in the hopes that would help with the process. ( While they did send me the identical email from the one above confirming that it had been received it was not printed out by me in time and it expired. ) On XX/XX/XXXX I sent a follow up email and they sent me another email saying they received my request on XX/XX/XXXX. 

On XX/XX/XXXX I sent another follow up email reminding them as per their emails that I was supposed to get a mailed response within 30 days which I did not get. On Monday XX/XX/XXXX they sent me another email letting me know they received my email, similar in wording, that I should hear from them by mail, etc. 

I have yet to receive any mail from Arvest Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX Bank XXXX Never Been Late I JUST WORK AT XXXX XXXX XXXX XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX Fl XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: AL

Complaint narrative:
I have requested an investigation of some account reporting on my credit file but it's been almost a year and no evidence or communication that these accounts have ever been disputed for the credit reporting agency. I've sent in disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, really every month until this current month and year XX/XX/XXXX with no action on the CRA 's part to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NY

Complaint narrative:
I reached out to creditors to remove a hard inquiry XXXX that was put on my report without my knowledge, also reach out to the XXXX and trans union on this matter. I sent several certified mail to bureaus, and calling them and still nothing.

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 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX 2023 I deposited a check in business account at Bank of America. The receipt stated that my funds would be available on XXXX. The funds never got released. I had an overdraft fee of {$86.00} and the check was deposited to pay that fee to keep the account in good standing. Bank of America has closed the account, leaving me no funds available. The Deposit Agreement Disclosure pamphlet given to me, has no mention of this deceptive act. The unethical maneuver was intentionally left out of Bank of America guidelines, misleading the consumers. This Bank has promulgated a worthless greedy deceptive intrapment maneuver, by using the " Freeze '' option as a front for the account closure. Word play that tricks those consumers who don't read the Deposit Agreement and Disclosure. In addition leaving bank accounts open to collect measly overdraft fees, till consumers Deposit funds then they close your account for at least 6 weeks minimum stating a check will be sent to your address. There is no true overdraft protection. XXXX is when the close of the account " begin '', essentially starving me hard before I get my funds. Taking my money, after I tried to pay them and set it right, How can CFPB allow them to operate in this renegade way not disclosing, deceptive acts, entrapment, violating my rights procedurally, collusion, and creating economic retaliation are also a definite practice.They are so deep in to where they don't even honor their own receipts, And when I call customer services and fraud department the entire staff sound digitronic. The job has removed all human element. That check was a loan from my father 's insurance policy for my bills, Bankofamerica scammed me and I need help swiftly, for every day after XXXX I request {$1000.00}, this is the most ridiculous thing in financial history.

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