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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For the last 3 months I have been getting emails from Experian addressed to XXXX. Membership number XXXX. 
I called them to have this fixed and wanted clarification as to why my email is being used in connection to someone elses account. 
I even filed a complaint with the XXXX XXXX XXXX  that they ignored and never responded. 
They continue to go in circles citing consumer privacy, but they are using this as a shield to avoid real accountability. 
This person likely also wants to know that I am getting emails with their information and I want confirmation that this person is not getting any of my information- which Experian will not confirm. 
If this place is responsible for Credit scores and so much of peoples financial health- it is unacceptable to have such irresponsible practices! How was this email ever confirmed? How was this account opened? When I filed a complaint and talked to them - why wasnt it fixed?

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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: Experian Information Solutions 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 XXXXXXXX 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 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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: Experian Information Solutions 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 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: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am on the phone now going on 31 minutes with about 3 of those being talking. It is XXXX est and your agent has already denied me service I have the right to receive as well as lied to me. I told her I want an ACH stop payment which the supervisor XXXX was able to give me a few days ago and told me is new. I told this lady to do that, she insisted on talking all sorts of nonsense, so I told her if she doesn't know what it is to stop wasting my time and go ask somebody. She then put me on hold for over 8 minutes and came back and instead of asking about it like she promised she told me she reviewed my previous chat logs and was going to deny me a service I have the right to based on chat logs. I told her I want to speak to a supervisor and she is just leaving me on hold it's been about 15 minutes now. So my takeaway from this is either XXXX is lying or this rude and egotistical agent who thinks she knows everythin, lied to me, then denied me service on my account where I am depositing about {$1000.00} a day for just the credit card transactions of website of the multi million dollar business I represent thinks its ok to provide me with service of this quality level. This is tortious interference of my business and synchrony bank, dereliction of fiduaciary duty and fraud. If my account is charged because of the inability of this agent to process a simple stop payment and her malicious intent to stop me from getting service but just putting me on hold to steal wages from your company you can bet you will be hearing from my lawyer.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 — Funds not handled or disbursed as instructed
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I opened my private trust on XX/XX/2023 at Ameris Bank XXXX Georgia its was Approved threw the legal department the account opened for two days I Simple went to the bank to ask question upon ach transfer when banker XXXX XXXX and manager XXXX got in their personal feeling And closed my trust account my business checking and saving accounts saying my trust document was no longer correct when it was just approved threw the legal department they are in breach of their fiduciary responsibilities as trustee for the XXXX XXXX XXXX XXXX I would like the fdic XXXX XXXX XXXX XXXX XXXX dollars released for the use of my private property my XXXXsn my id ect inside my agreement I will prove I deposited my source data which is priceless and a asset to my estate I want XXXX and XXXX removed from banking they are incompetent and misinformed on bank operations and they are injuring and breaching trust agreements which results in jail time or fine. I demand the release of all equity interest securities and assets being withheld in escrow on the principals behalf you have seventy two hours to respond in writing to XXXX XXXX XXXX XXXX fl XXXX or email XXXX all rights reserved ucc1-308 18 usc 8 all obligations and debt is off the United States I am a informed consumer advocate and will like remedy without recourse. If you have any questions please seek advice By : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT! 


This is a complaint to AMEX. I recently reached out to AMEX demanding that they show proper documentation proving why the billing error with AMEX. What is a billing error? 
According to the LAW, A billing error is a reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. Documentary evidence ACCORDING TO THE LAW is defined as all documents, papers, correspondence, books of account, and financial and corporate records. AMEX HAS FAILED TO PROVIDE ME WITH THIS! Statements are not enough. Billing statements created are considered fraudulent documentation. Furthermore, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose which AMEX is continuing to do! Failing to provide proper documentation as to why this billing error was made in the first place should result in automatic deletion. AGAIN, Billing statements and/or written letters are not proof of a billing error. These are considered fraudulent documents that are created which are further putting AMEX into a racketeering case! I am demanding that the following accounts are blocked, removed, and deleted.

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: Experian Information Solutions 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 Experian 's part to investigate.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX & XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX  account ending XXXX XXXX, XXXX  XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending in # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX & XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX  account ending # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending in # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
The home at XXXX XXXX XXXX was purchased about 22 years ago by XXXX, mother of my deceased wife XXXX. When Mrs. XXXX died in XXXX, my wife, as the beneficiary of the home and legally under XXXX XXXX XXXX was the Successor In Interest, attempted via her estate lawyer, certified mailings and multiple telephone calls, to complete whatever documents were necessary to transfer the remaining mortgage to her name. 

Repeated attempts by both our lawyer and my wife over XXXXEE YEARS failed to get the company, New Rez to forward the necessary papers for the transfer. Mrs., my wife of XXXX years, died unexpectedly in XXXX, XXXX. The documents for the mortgage transfer arrived 3 days after her death. 

Today, I am the technical Successor In Interest. I too have had multiple challenges getting to the correct people at New Rez even when I ask to speak to the person who signed the documents that arrived after my wifes ' death. That person never returned voicemail messages or bothered to call. 

Finally, a few weeks ago I received a letter that did not clearly explain the steps I must follow to make the change but clearly stated I have 30 days to act. They take over 1,000 days to act but I must act in 30. Well, I may not make that time line. Life changes when your spouse dies. I went back to work, was in the process of remodeling the house from top to bottom, started building our retirement home 100 miles from the house and really don't have the funds to hire a lawyer to do the work. 

The lack of action on the part of New Rez has cost thousands in legal fees, enormous emotional stress on my decease wife as she had to relive her mother 's death with each conversation to New Rez and we both feared some type of mortgage cancellation since it appeared that New Rez was purposely prohibiting us from securing the mortgage. We also waited patiently for New Rez to act so that we might refinance the mortgage to a rate less than half of what the rate is. 

My trust in the company is zero and I suspect that even if I send the correct forms and evidence they ask for it will be lost repeatedly so that they can ultimately try to take the house even though the check for the mortgage has had my name on them for the last 20 some years. 

I'd like some supervised guidance so that this issue gets done according to law.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I received a Nordstrom credit card in the mail that I never applied for. I called Nordstrom and told them that I never replied for the card and they told me that they shut the account down and would investigate. They asked for my Social Security number. Two weeks after I notified them, I received a credit card statement in the mail with charges upwards of {$1800.00}. I called them again and told them this account was fraudulently opened in my name. They said that the fraud department was still investigating and that I should wait to hear from them. Its been a month and I havent heard anything.

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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX Bank regarding my account for social security payments sent back to sender and lump sum payments SSI and SSDI never received.XXXX Fifth third bank, XXXX, Ohio XXXX never got IRS payments.Same with SSDI violations. Sent back to payee in direct deposit XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
on XX/XX/2023 i received a letter from my bank telling me that the net monthly payment went up from XXXX to XXXX so we talked to the company and they told us that the escrow account balance is up and we have shortage too. 

so now they asking me to pay every month another XXXX extra. and there explanation that the county tax went up and the insurance too. 
and they don't offered any help about. they didn't show any document to support what they saying

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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are numerous addresses on my credit report. I never gave consent to have my address shared. Especially not my current address. It does not say the name of the entity that placed the address there. I would like all of them removed because they were provided without my consent.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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