vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: CA

Complaint narrative:
I am writing to file a negligence and wrongful conduct complaint against Equifax. 

Equifax sent my dispute resolution to the person committing fraud against me, even after I sent the Equifax agent a picture of my driver 's license via their secure link they provided, with my address. 

Let me start from the beginning. On XX/XX/2021, I submitted an application to get pre-approved for a loan. The loan consultant found 4 collection accounts under my SSN with just Equifax, none of which belonged to me. With an average FICO score of XXXX, this had never happened to me, and I didn't know where to start. That same day I called Equifax directly, provided my SSN, and a picture of the front and back of my driver 's license through a direct and secure link the agent sent to my cell phone. 

He submitted the dispute over the phone, provided me with a confirmation number and said Equifax would mail me a resolution within 30 days. I waited and never received anything. 

On XX/XX/2021, forty-five days later, I called back, Equifax was having system issues and they showed me how I could pull some information online. Here I discovered Equifax had changed my last name and address. The previous 2 names showed my actual current married name and my maiden name ; under previous addresses, it showed my actual current address of 10 years and my correct previous address. This discovery helped me find the electronic letter of my dispute resolution showing Equifax mailed it to the person committing fraud against me with the incorrect address in my credit report. Which should have never happened, because my identity had to have been verified when the original agent collected my driver 's license information and saw that the names and address didn't match the current name and address. 

The process took longer and added additional stressors as I had to open different disputes to change my name and address back in order to file another dispute to remove the collection accounts. 

Three months and multiple phone calls later, Equifax deleted the collection accounts under my credit report. Though, I still feel like my personal information was violated by sending the person committing fraud against me a letter with my full birthdate, and the collections dispute information. 

I hope that this does not happen to anyone else. Having to fight against identity theft is a large burden, and the negligence of Equifax agents only worsens the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
XXXX  XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 2022-05-17 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: IL

Complaint narrative:
XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 a 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 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
I paid {$710.00} usd to a person that sent me an empty box. Box was received XX/XX/2022 I made the purchase on XX/XX/2022. It was for a XXXX XXXX XXXX XXXX XXXX was a standard sized XXXX. Well when the box arrived I noticed it was empty. I then started to examine the box to see if maybe something happened along the way. Upon further investigation I noticed that the box was small, I then put another record to the box that arrived to find out it was impossible to be able to fit a vinyl record inside of a white large flat rate usps box. I provided exchange between me and the buyer, I provided photos of the box with the mailing label stickered on from the post office. I then provided photos of the box with other exactly same sized XXXX XXXX  showing proof it would have been impossible to fit that in. My bank keeps denying me a refund. Always close my dispute within a day or two not doing the full XXXX investigation to properly solve this issue. Ive had different managers tell me not to worry once they view the evidence Ill be able to get a refund. I again got denied today. I thought my bank was supposed to protect me and they have not. Ive been a customer over fives years with them with no other complaints or disputes filed on my part. I just want my money back and extra as well for the stress this has caused me. The feeling of not being protected, the feeling of stress dealing with your bank is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX my credit card had suspicious activity with XXXX. I called XXXX and reported the fraud charges. XXXX never called up to take down the information and in XX/XX/XXXX I received a credit card statement showing a balance of {$6.00} being owed and they said if we didn't pay they would close the card. 
My wife called as the account is through her but it was my card. XXXX said that they would fix it. This went on for months until XXXX when we got another statement saying we owed the same amount. Again my wife called and they had already closed the account that was paid in full, XXXX balance with a {$6000.00} credit limit and reported me as delinquent to the credit bureau. Again XXXX said they would fix it. 
Fast forward to XX/XX/XXXX my wife spoke with XXXX again as I had tried to apply for a small personal loan and was denied, the reason was XXXX. 
The lady my wife spoke with helped her over a 2 hour period to ensure they would get this handled. What my wife found out was XXXX never reported the original charges in XX/XX/XXXX as fraud. As it's been too long now they can't report them the usual way so they had to go through a special department within XXXX to get it handled. My wife called again today, XX/XX/XXXX, and XXXX pretty much said we can't help you. 
I would like them to fix the credit card and reinstate at the original {$6000.00} with the interest we had originally. Take off the delinquent charge and report as fraud like it should have been done originally. Then they need correct the credit issue so my credit is fixed! 

Everything was via phone call and all the notes are in our account under my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Certegy Holdings, LLC
State: ID

Complaint narrative:
Certegy is not allowing stores to cash Verified XXXX XXXX XXXX XXXX Money orders by stopping said money orders from being cashed. 
Then when calling their number they want to do back ground check on caller and send reports free XXXX starts requesting ID, Social Security number etc of Caller plus receipt number for issue. 
They are a 3rd party ( phishing ) company posing as a verification processor servicing to many companies Idaho. 
I want them to cease and desist business of all reports against me and other individuals in Idaho. If money orders are good and person cashing is person money order is written to Verifible money Order should not be stopped from being cashed. 
This can cause illegal unnecessary lawsuits against XXXX XXXX which guaranteed XXXX Money Orders. 
For the pain & embarrassment I should receive {>= $1,000,000}. Per occurrence of Certegy action against legal cashing purposes.

Certegy is now formally asked to cease and desist all information gathering when it comes to me cease and desist all reports against my person or 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 2022-05-17 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: VA

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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: VA

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated XXXX XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I XXXX XXXX the natural person and consumer as defined by the FDCPA 15 USC 1692 ( a ) ( 3 ) who is submitting this complaint on my own behalf there is no third party involved. XXXX XXXX XXXX XXXX XXXX XXXX have invaded my right to privacy by sending a letter received on or about XX/XX/2022 which was dated XX/XX/2022 stating that the consumer owes a debt. XXXX is a debt collector as defined by the FDCPA 15 USC 1692a ( 6 ) and has violated the FDCPA. The receipt of this communication was at a very inconvenient time and was an attempt to harass me to coerce a payment of an alleged obligation by way of intended misrepresentation. The receipt of such document is misleading and it appears to be from an attorney which is a violation of 15 usc 1692 ( e ) ( 3 ). Pursuant 15 USC 1692 ( c ) ( a ) I have never given this company my direct consent to contact me or to have my personal information.This is a huge invasion of my right privacy. It is clear that this company has violated the FDCPA and intentionally attempting to deceive I the consumer. This is an alleged obligation. Farther more this company has no rights to collect any amount. UCC 9-109 clearly states such action is prohibited being that this account was transferred for the sole purpose of collecting only and XXXX is a debt collector. I do not give you permission to take any legal action against me. The attached exhibit was mailed to this company on XX/XX/2022 and delivered by USPS certified mail which was picked up on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear CFPB Team : I felt victimized by the syndicate of Bank XXXX XXXX XXXX times now. 

Even though I login securely to my US Bank ( usbank.com ) account & did my XXXX transfer there on XX/XX/XXXX to my legitimate recipient, still she did not receive the money about 7 business days after. The US Bank website disclosure promised in the that the funds will be received in minutes or on standard way is XXXX business day. 

Immediately after I confirmed and it the SEND button, the USBank N.A. website displayed a message to me that the funds was SENT ( please see the screenshot attached ). 

It has been a week now, my funds was taken from my account but never got to my intended recipient. 

I called the # USBank to file a FRAUD claim but they were giving me a cold shoulder as if I am blamed for authorizing the transfer even though, US Bank introduced me to XXXX tool and that my recipient is not a scammer as she was my assistant. 

Today, since I filed for a FRAUD with US Bank N.A. they said that they may deposit a provisional reimbursement only after 10 days from the time I filed for this FRAUD complaint. Also, my business account that has been opened since XXXX has to be closed out and I had to go to the physical branch to reopen a new business account. 

This similar scenario has happened to me last month with XXXX Bank XXXX XXXX where XXXX hoarded my {$1000.00} funds. 

This MUST BE STOPPED, INVESTIGATED, REGULATED and INSURED prior to the banks promoting any 3rd Party for us costumer to subscribe to. 

One of the many Consumers who get FRAUDED by XXXX and the Bank, XXXX XXXX. 
XXXX, CA

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 a 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 2022-05-17 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-05-17 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
This account is not valid nor is it mine. I have never lived at the address associated with this XXXX XXXX  account and request that this inaccurate information is deleted off of my credit history. I have only resided at XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any and all documentation that I have can prove this to be in fact true. This account is fraudulent and no debts owed. I have filed disputes against this company with no correspondence in return for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
a little before XXXX I was buying a ring for my fiance to get marred on XX/XX/XXXX, I was supposed to receive ring on XX/XX/XXXX, but my mom told me she didn't receive anything at her address at all and I shipped the ring to her address. They also told me that my ring was shipped to a store when I didn't get it shipped to a store at all. During this time, I was out of town with my fiance showing her time before I proposed to her, but I couldn't cause I didn't have the ring I wanted for her. I had to buy a whole norther ring for her and they trying to charge me with something I didn't get. I'm not paying for nothing I didn't receive at all. They are absolutely wrong for that, and they still want me to pay. I paid some payments off when the ring was shipping that's why there are payments, and the rest are payments I didn't pay because I didn't receive the ring at all!!!. I ALSO EMAILED THEM AND THEY DIDNT CARE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
I received an item that I did not order and the retailer charged my credit card. I disputed the charge with my credit card company, following their process. I provided all available documentation in timely fashion when my credit card company asked for it. My credit card company initially put a hold on the charge, but after a few weeks they removed the hold and said I must pay the charge because I didn't provide the documentation they requested. Because I actually had submitted everything they asked for, I called them by phone to appeal this decision. The customer service rep said he would have the case re-opened. However, several weeks later I have received no follow up from the credit card company. 

I need them to remove this charge from my bill. I did not order the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Auto Credit Corporation
State: AL

Complaint narrative:
When XXXX disrupted our nation, I could no longer afford to make monthly payments to XXXX XXXX XXXX. So, I had to voluntarily surrender the vehicle ; after the loss of my job. I never received a letter of Explanation Of Calculation of Surplus or Deficiency until XX/XX/2022. All this time, since XX/XX/2022 ; US Auto Credit has been reporting negatively to the credit bureaus the wrong amount after the credit sale of the vehicle. 

I submitted disputes to all credit bureaus regarding this very issue. US Auto Credit has been charging interest since the credit sale of the vehicle. 

I only surrendered the vehicle due to the pandemic that swept the entire world, this was indicated as a national natural disaster. US Auto Credit with regard to furnishing incorrect information to the credit bureaus, is in error, and have violated my rights as a consumer.

Company response to consumer: Closed with explanation