vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CHEXSYSTEMS XXXX Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; Consumer XXXX, Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below. 

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a linked last four of social ending in XXXX does not belong to me and is not mine and shouldnt be in my report or linked to my identity in any way shape or form. All these accounts and wrong personal information being reported on CHEXSYSTEMS have 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 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. 

these banks along with Chexsystems have caused for all banks to not allow me to open up a bank account with them because Chexsystems is wrongfully reporting inaccuracies and fraudulent information.I need these accounts removed from Chexsystems asap. 

the only correct information that should be reporting is ; Name : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; phone : ( 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 2023-11-17 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results. 

They need to delete these under my name since I don't know the said accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have previously disputed the bankruptcy with all three credit bureaus and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response was they do not report to the credit bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have previously disputed the bankruptcy with all three credit bureaus and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response was they do not report to the credit bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2023-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
During the year of XXXX, I was evicted from my apartment with XXXX XXXX XXXX. My eviction was due to none payment of rent, however, I was ill from XXXX XXXX and was placed out of work for 3 weeks. Unable to make payment arrangements with the landlord, they filed an eviction although they had never had issues with me not paying my rent before. When I offered to pay half they declined the offer. By XXXX XXXX XXXX  I was out of the apartment. When we went to court, it was agreed that I vacated the premises and no damages would be filed. Per my court orders, no damages were filed and no monies were being requested to pay. That is until the year of XXXX  in XXXX, a collection was placed on my account for a debt owed by XXXX XXXX XXXX  although the court order stated no judgment would be owed. Why would a company wait nearly 3 years to place such a debt on my credit, making me ineligible to get another rental property? This is unfair treatment, especially given the times we are currently living in. There must be something more that can be done to put an end to big corporations causing disruption and hardship to individuals such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have an unauthorized hard inquiry that was obtained without my consent, it is not opened to an account. I want this inquiry removed immediately. This inquiry is XXXX XXXX  XXXX XXXX on XX/XX/2023 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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
In XX/XX/XXXX I recieved an email informing me of pending purchases made on this credit card. KNowing for a fact i had not used this card in more than a month iim medially called to inform Imagine of what had happened. They sent me via email the form to fill out and told me if i got it back to them in a timely manner they would issue a provisional credit. I had it to them via fax in under XXXX hours and never saw a provisional credit and when i asked anyone about it they would change the subject. I then recieve notice that the dispute has be denied because their records indicate I accessed my account via my online login and I was provided wit hthe balance and transaction information during the time frame that I stated fraudulent charges were being made. First of all, I have never used the online method to view my account, I have the mobile app on my phone i use, XXXX this company takes days sometimes up to XXXX for the recent transaction history to appear on the app. The amount of credit available will be deducted according to the purchases. When I spoke to them on XX/XX/XXXX i asked the rep were the logins right before or after the charges were made and she said no it was a few days before i called in then put me on hold and said shes not sure. ( i have recorded every call with them ) I dont find that this excuse is in any way a viable reason to conclude this dispute. This is bad faith, they did a quick slppy investigation and I did not make these charges nor will i pay for them. They wont share any documents with me, heck, they didnt even call to say the second dispute had ended. very unethical and poor service. I have filed with identity theft.gov, now CFPB, im going tomorrow to my states attorney generals office, and to speak to a private lawyer for advise.I know if this was propery investigated the outcome would be that I didnt make the charges. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: WI

Complaint narrative:
I sent dispute letters viaverified mail over XXXX  days ago regarding the unverified inquires that are on my credit report. I have not received a response from Transunion and the inaccurate items on my credit report have not been removed. 

XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX According to the Fair Credit Reporting Act, Under 15 USC 1681 ( a ) under the exclusion section number ( b ) anything that was extended or authorized from a credit card should be excluded from a consumer report.Congress defines a credit card as any card, which is under truth and lending 15 USC 1602 " ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit.

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 2023-11-16 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 have previously disputed the bankruptcy with all three credit bureaus and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response was they do not report to the credit bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results.

They need to delete these under my name since I don't know the said accounts.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 I closed my Capital One 360 checking account due to a check failing to properly deposit within account. Upon closing out my I was told I will receive my check within XXXX to XXXX business days. Today is XX/XX/2023. I have yet to receive my closeout check of almost {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macys Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _________________________ XXXX XXXX XXXX XXXX XXXX, South Dakota, XXXX Please be advised that I am extremely disappointed in the service and deceptive business practices of the credit services department XXXX On XX/XX/XXXX I purchased a couch from Macys Furniture with a promotional period of 12 months for {$3600.00} with the promotional period ending on XX/XX/XXXX. 

On XX/XX/XXXX, or XX/XX/XXXX I called customer service and spoke with several reps that I do not recall, but the asks was to allocate {$2000.00} to the promotional balance. However, after checking the website I noticed the entire amount was not applied so I called back and was assured the account would be updated to reflect the payment and the promotional balance of {$1600.00}. 

As of XX/XX/XXXX, I called customer service and spoke with Representative : XXXX, XXXX to asks why was my promotional balance on the website {$3400.00} when I allocated funds to that account and the website was updated in XXXX to reflect {$1600.00} ( I saved a screenshot of the updates on my phone ). He proceeded to advise me that the {$2000.00} was not allocated to the promotional balance so I became very upset because the reps keep defaulting the errors to the system but that is unacceptable. 

How is it that Macys is such a large brand but cant get the reps to ensure payments are applied correctly? Why is it that consumers can not go online to apply funds to promotional balances? Is it because you want customers to pay the interest on the account? Is it because it is a tactic used to confuse your consumers? Or simply a way to force interest payments from consumers whos not paying attention to their account and simply lose track of the transactions. 

This is really unfortunate situation that has caused me stress and time that I can not get back. Therefore, I am submitting a formal complaint to the Federal Trade Commission, Consumer Financial Protection Bureau, as well as the Department of Justice. No consumer should have to deal with this and fortunately I had time today to write this letter and distribute it to all those who have control and oversight of companies that attempts to deceive its consumers. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: CA

Complaint narrative:
Under the fair Credit Reporting Act,15 USC 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning these accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified.Send me copies of the documents that you have in your files that were used.If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as a required under Section 611 ( a ) ( 5 ) ( A ) ( i ) By publishing these inaccurate and unverified items on my credit report & distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under FCRA 15USC 1681i all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts listed below within 30 days of this receipt you have to remove these accounts from my credit file. Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16 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: VA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
Shortly after activating my {$100.00} XXXX gift card in XX/XX/XXXX, there were XXXX fraudulent transactions at the XXXX XXXX store totaling {$93.00}. I immediately notified XXXX XXXX of the fraudulent transactions and asked that these be investigated so that the value of my card could be restored. 

The agreed to investigate it, but I never heard anything back. In XX/XX/XXXX, I contacted them again, and they said they had reached to out to me in XX/XX/XXXX asking for more information. I discovered that they sent this request to an email address that I had never heard of and that I have never been associated with. 

I requested that they reopen the case and resend their request for information to the right address so that we could resolve this case of fraud. They refused to do so, claiming that after XXXX business of sending information ( to the wrong address ) they had no obligation to address fraud on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
To whom it may concern, My XXXX and I purchased our new home in XXXX and Freedom Mortgage took over the mortgage shortly after from the builder XXXX. Our taxes were due XX/XX/XXXX that should have been paid by Freedom Mortgage from our escrow account. Unfortunately Freedom Mortgage did not. I called them XX/XX/XXXX which they mentioned they did not have the appropriate information which I immediately provided them. 

Subsequently, I have called numerous times since and even XXXX XXXX XXXX department has as well. Freedom Mortgage continues to come up with a different story. There is now interest acquiring and they don't seem to care. Any help 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 2023-11-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I NEVER HAD BUSINESS WITH THIS FRAUDULENT COMPANY SHELL POINT LOAN # XXXX THEY SAY I OWE THEM {$910000.00} WHEN I NEVER HAD BUSINESS WITH THEM MAIL LOANSERVIVING@NEWREZ.COM NEWREZ.COM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have been filing disputes with my bank and Navy Federal has been taleing 90 days to complete my dispute or not giving me provisional credit, I have been Holiday shopping and I made a purchase on XXXX and sent two returns. XXXX, said they needed to verify me and to upload a state drivers license which I completed. XXXX said they would send me my refund within 3-5 business days since XXXX XXXX  its now XXXX XXXX and I still haven't received my refund. I contacted Navy Federal Credit Union who is my banker to dispute this case and get my money back. I have been denied a provisional credit and Navy Federal hasn't requested any additional information that they need. I can not wait 90 days until this dispute because I need access to my funds to pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation