vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

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. XXXX XXXX XXXX XXXX ( {$47.00} ), XXXXXXXX XXXX XXXX XXXX # XXXX ( {$390.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$2700.00} ), XXXX XXXX XXXX XXXX ( {$910.00} ), XXXX XXXX XXXX  XXXX ( {$560.00} ), incorrect name variations like : XXXX XXXX ( this is incorrect ) XXXX different addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Also phone numbers that do not belong to me : ( XXXX ) XXXX. Also Email addresses that do not belong to me : XXXX. 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.

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 2023-04-04 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: IN

Complaint narrative:
Please Remove the following accounts from this report as it in direct violation of my consumer rights. 
According to 15 US 1681 C2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. THis is preventing me to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. THis is preventing me to purchase a home for my family.

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA checking account ending in XXXX Deposited a check personal check from my XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX on XX/XX/23 for {$3000.00} funds were initially posted immediately On XX/XX/23 I attempted to use my debit card & it was declined. I called usaa & was told a hold was placed on my deposit and funds would now not be available until XX/XX/23. I asked why & was told due to a returned deposit from that -which I didnt have On XX/XX/23 the {$3000.00} check cleared my XXXX account XXXX I called usaa on XX/XX/23 informed the check was paid on XXXX and asked if the funds could be released now or next day. The rep was helpful -said she contacted the back office at usaa and was told nothing could be done until XX/XX/23. I asked doesnt usaa get notice that they check was successfully paid she said they dont So now Im stranded out of state with no access to my {$3000.00} deposit -account is now overdrawn -transactions are being rejected -I cant pay my bills Why cant usaa confirm with XXXX the check was paid rather than wait until XX/XX/23 Rep told me theres a reg CC hold on the check Issue XXXXFraudulent XXXX transactions from my USAA account ending in XXXX XXXX XXXX XXXX were made from my account on XX/XX/23 My cell phone was lost or stolen while at the gym I did not make these transfers -no knowledge of this person who recieved my funds XXXX XXXX I filed a police report with XXXX XXXX police department Report # XXXX XXXX XXXX XXXX I uploaded to USAA customers have no way of speaking to anyone In the fraud /security department to get status updates & no one has contacted me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX, Experian, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.

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 2023-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted all three credit Bureaus XXXX, XXXX and Experian to have the incorrect information on my credit report deleted due to me being a victim of identity theft. I have mailed letters, called the companies and submitted numerous amounts of financial complaints to get this issue resolved. I feel as if my rights are being violated and as the consumer my right should be protected with consumer laws such as 15 U.S.C 1681 b. I feel like I'm being treated unfairly and my credit is suffering because of it. I have multiple negative items on my credit that is inaccurate that needs to be removed.

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 2023-04-04 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX XXXX  ACCOUNT # 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 2023-04-04 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
So last year XX/XX/XXXX I refinanced my home to get money out to fix on some things needed and my mortgage bank Rocket Mortgage and XXXX were both handling my payoff and 2 lien which was XXXX from XXXX. XXXX I was asked about the XXXX and I was told from Rocket Mortgage that the XXXX will be included paid off and still I will get XXXX in pocket, so I agreed because I wanted to get rid of the XXXX and have money in my pocket. So this year XX/XX/XXXX I decided to sell my house and buy another house. My realtor informed me that someone wanted to buy my house so I agreed of course and we did the necessary paperwork and Rocket Mortgage was also contacted as I was super excited to move on. Well the title company XXXX XXXX XXXX XXXX contacted me and informed me that Rocket Mortgage and XXXX never did what they said they did with the XXXX. Wow this was a nightmare that I never wouldve imagined so the title company contacted Rocket Mortgage and AmRock to find out that XXXX was just a notary company that serviced me when I refinanced my house and Rocket Mortgage wrote down some incorrect information on paper that wasnt true so when I confronted Rocket Mortgage my bank guy XXXX immediately said he dont know what happened because he dont deal with that department as I trusted him as my to go to person who was the one who put my refinance in motion and now he says she dropped the ball and so sorry because he thought the XXXX was paid in full as he and I discussed. So I closed on my former home XXXX XXXX and all I got was calls from Rocket Mortgage saying hey you need to pay that XXXX and payoff this mortgage as they had no accountability whatsoever. I spoke with XXXX and another Rocket Mortgage person name XXXX and they wasnt concerned about their XXXX up and I just told them listen Im homeless now because the XXXX balance that was owed to XXXX is now deducted from my proceeds and extra XXXX totaling XXXX that I was supposed to have to put down on my new home but because of Rocket Mortgage and AmRock Im sleeping in my truck with my dog and on my parents couch. I need for Rocket Mortgage to accommodate me big time as I dont have a roof over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Victim of a data breach from XXXX XXXX XXXX on XX/XX/XXXX and received a letter notifying me in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-04-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated

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 2023-04-04 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: AES/PHEAA
State: TX

Complaint narrative:
Fedloan violated my rights by : ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, Fedloan has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ).

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 at about XXXX XXXX. I purchased gas at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I paid at the pump with my debit card and proceeded to drive home. I arrived home around XXXXXXXX XXXX. at my home in XXXX  XXXX, CA. When I arrived home I did my normal chores, etc. and around XXXX XXXX. I started to get ready for bed. At about XXXX XXXX I logged onto my bank account at Bank of West and there was over {$1800.00} in charges to my account. At no time did I leave my home. My debit card was in my wallet/purse the whole night. The last purchase I made for that day was at the above XXXX XXXX XXXX for {$52.00} on XX/XX/2023 at around XXXX XXXX  I immediately called Bank of the West and they put a stop to my card. I believe my debit card was skimmed at this particular XXXX XXXX XXXX. All the purchases made that night were in XXXX XXXX, XXXX XXXX, and XXXX XXXX which these cities are at least 50 miles from my home. At no time did I leave my home when I arrived home from work that day. I never allowed no one to use my debit card. Bank of the West has now blamed me for the purchases and refuses to help me out. I am supposed to feel protected and my money is supposed to be protected by Bank of the West. At no time did I receive any notifications from Bank of the West that these transactions were going on. Bank of West 's fraud department is stating that I did all these transactions myself. I am being treated like I am the criminal! I had no knowledge this occurred until XXXXXXXX XXXX that night when I checked my bank account. I have proof of my whereabouts at all times. I have written to all customer services where all purchases were made. One of the stores that person or person who were unauthorized to use my debit card information wrote me back and sent me a copy of the receipt from XXXX XXXX  XXXX. The person or person ( XXXX ) who skimmed my card purchased items, the items all related to men 's wear, etc. First of all, I do not have a husband or boyfriend. The only man who lives with me is my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There were 5 transactions to XXXX in XXXX XXXX XXXX XXXX XXXX row with amounts of $ XXXX each. There were several other transactions. 
Why did I get notified that this was going on from Bank of the West? These person or person ( s ) went on a shopping spree on my dime! I have been unfairly treated by Bank of the West. It has been a horrible experience and I have been tryin to fight this claim. I am ready to go to small claims court if I have to.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I TRYED TO GET {$100.00} FROM A ATM MACHINE IT SAID BANK UNAVAILABLE THAN I SAW WISLEY CARD CHARGED ME SO I STARTED MY DISPUTE FOR {$100.00} {$3.00} BEING WHAT THEY CAHRGED TO FOR THE ATM TRANSACTION AND {$100.00} FOR THE MONEY THEY CHARGED ME BUT WASNT GIVEN TO ME AFTER WAITING I CALLED BACK XXXX XXXX AND FROM THERE TO NOW THEY HAVE BEEN TELLING ME EVERY DAY THAT THERE GON NA EXCULATE IT TO CALL BACK IN 1 TO 2 BUSINESS DAYS THATS WHAT IVE HEARD FOR A WHOLE WEEK NOW I CALL AND THEY SAID THERE CLOSING MY DISPUTE, THEY ENDED UP GIVEING ME CREDIT FOR {$3.00} AND SAID THAT THEY DID THE DISPUTE WRONG AND ONLY DISPUTED THE {$3.00} INSTEAD OF THE {$100.00} BUT STILL NEVER GAVE ME THE CREDIT FOR THE {$100.00} AND NOW THERE CLOSING MY DISPUTE WHICH IS CRAZY BECAUSE WHY WOULD U JUST CREDIT ME THE {$3.00} WHY NOT CREDIT ME MY {$100.00} SO THEY HAVE MY MONEY AND DONT PLAN ON GIVING IT BACK TO ME IVE BEEN TALKING TO SUPERVISORS AND THE SUPPORT TEAM SAME THING EVERYDAY I NEED HELP I NEED TO GET MY MONEY THEY TOOK FROM ME.

Company response to consumer: Closed with explanation