vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and to share with you the profound impact that recent violations have had on my life. 

In recent months, I have encountered egregious violations of the FCRA by several creditors, which have taken a significant toll on my financial well-being and emotional state. Below, I outline these violations and provide a deeply personal account of how they have affected me : 1. XXXX XXXX XXXX ( Account number : XX/XX/XXXX ) - Unauthorized Credit Inquiry : Violation : It is evident that my authorization was not obtained for this credit inquiry. 
2. XXXX XXXX ( Account number : XX/XX/XXXX ) - Unauthorized Credit Inquiry : Violation : I did not authorize this credit inquiry, leading to a breach of my privacy and potential harm to my creditworthiness. 
3. XXXX ( Account number : XXXX ) - Inaccurate Reporting : Violation : I have no affiliation with the business associated with this account and believe it was inaccurately reported on my credit report, causing distress and uncertainty. 
4. XXXX XXXX XXXX ( Account number : XXXX ) - Inaccurate Reporting : Violation : The account details are vague and questionable. This inaccuracy has created confusion and frustration, affecting my peace of mind. 
These violations have left me in a state of anxiety and uncertainty, impacting my ability to secure loans, housing, and employment opportunities. The emotional distress I have experienced can not be overstated, as I have felt helpless and overwhelmed by the damage inflicted on my financial reputation. 

I kindly request that the CFPB intervene and take appropriate actions to ensure the enforcement of my legal rights under the FCRA. Specifically, I urge you to investigate these violations thoroughly and expedite the removal of these unverified and unauthorized accounts from my credit report. 

I understand the critical role that the CFPB plays in safeguarding consumers like me against unfair and unlawful practices. I am relying on your expertise and dedication to justice to rectify these violations promptly and help me regain my financial stability and peace of mind. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please do not hesitate to reach out to me if you require any additional information or documentation to proceed with this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
I have attempted to have the company, First Advantage Consumer Disclosure CenteXXXX, address incorrect information on my background report. The report was produced for an employment purpose. I was told to request a dispute which I did but the errors in the report remained. I then requested a second dispute and the the errors still remained. I called First Advantage a third time at # XXXX XXXX and spoke with the same representative that I spoke with the second time I called, per his admission. He repeatedly spoke loudly over me and refused to listen then he hung up on me intentionally refusing to further address the ongoing problem. I have had two jobs with XXXX XXXX XXXX at two different times, one with XXXXXXXX XXXX XXXX and one more recently with XXXX. The report from First Advantage lists that I worked for both divisions ( XXXX XXXX XXXX XXXX XXXX  ) at the same time from XXXX, XXXX to XXXX, XXXX. I provided First Advantage with the correct dates of employment for XXXX and XXXX XXXX XXXX. I also provided the work # XXXX where my employment history can be verified. It is important that any background checks are accurate as I am still looking for employment and the next employer who offers me a job may use this same company, First Advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 received an email that a wire transfer in the amount of {$5000.00} was in process. The bank was called immediately and the wire transfer reported as fraudulent, however the bank continued with the transfer. We figured out the account had been accessed electronically following an elaborate identity theft operation involving a stolen home phone number and mail diversion. Because the bank was not able to retrieve the funds, they have denied the request to return the {$5000.00}. This does not seem reasonable since the fraud was immediately reported and the bank never should have finalized the transaction.

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 monetary relief
Consumer complaint received 2023-09-05 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax, is illegally reporting my credit information to XXXX XXXX XXXX XXXX XXXX On a monthly basis without my knowledge? 
XXXX XXXX didn't pull my credit report because there is a freeze on it? 
In return even though I have never missed a payment and at this time I had over half of available credit on this card. 
Based on this information that they Illegally obtained from Equifax they reduced my credit limit? 
Equifax is selling my information and want to sue them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC Report and the Louisiana DMV Data Breech that made global news and impacted me as a Louisiana resident. I don't have an account with the companies mentioned, these are a result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reporting on my credit profile.

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 2023-09-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC Report and the Louisiana DMV Data Breech that made global news and impacted me as a Louisiana resident. I don't have an account with the companies mentioned, these are a result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reporting on my credit profile.

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 2023-09-05 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: WI

Complaint narrative:
THESE INQUIRIES ON MY CREDIT REPORT WAS NOT UNTHORIZE BY ME XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: WI

Complaint narrative:
THESE INQUIRIES ON MY CREDIT REPORT WAS NOT UNTHORIZE BY ME XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX Experian

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 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I have been working with Specialized Loan Services to modify my mortgage and and help me save my home, they sent me a congratulations letter saying my modification was approved for 480 months at {$900.00}. This program is not helping me it's stealing, simple math says this practice is preditory and saying no w the escrow payment on {$6000.00} will be {$360.00} a month for 5 years. Which is {$21000.00}. And the loan balance is {$110000.00}. 
Seems this is more than preditory if they are trying to help people save their homes. 
Seems I would be paying 5xs the current balance how is that helping people??

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 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I tried to pay majority of my car note. My car note is {$340.00}. I go through the WestLake Financial app to pay. I enter my debt card information, the system says there was an error and to try again. I enter the card information again and it says the payment was successful. I receive a email saying 2 withdrawals for the amount of {$300.00} was processed. I call the WestLake Financial customer service line and state I would like a refund for 1 of the {$300.00} payments. She says it will take 5-7 business days for me to receive a refund. Next, I contact my bank ( XXXX ) and asked for them to issue a temporary debit provisional until I receive the refund from Westlake. They issue the temporary provisional with no problem. The same week on the day of Friday the XXXX, I received the refund from WestLake. The following week, I go to pay the remaining balance of {$45.00} and the balance is now {$0.00}. The starting month of XXXX, I pay {$150.00} and it tells me the remaining balance is {$190.00}. The following week, I go to pay the remaining balance and it shows a balance of {$540.00}. I contact Westlake Financial to see what the issue was and was told I have a leftover balance of {$340.00} from XXXX. I tell the representative thats not right and that the whole payment was made already. The representative hangs up and I call several more times but no luck as most of the representatives barely speak English. Finally able get in touch with a representative who speaks somewhat better XXXX and he tells me XXXX reversed the payment on the XXXX of XXXX. He told me in order to make my account balance current, I would have to pay {$160.00}. After paying the {$160.00}, he says there shouldn't be any issues. Several more representatives from WestLake contacted me about making a payment and I Immediately asked to speak to a supervisor. He tells me his records doesn't show a payment being made besides the {$45.00} and he wouldn't be able to give me credit for {$300.00} and there was nothing he could do. He asked me to email WestLakes dispute department a copy of my bank transactions showing they took out two payments of {$300.00}. I email them the copy and I haven't heard anything back from them yet. I contacted XXXX and they state that their records doesn't show a reversal on the XXXX nor do they see an extra {$300.00} in my account showing from WestLake. As every single day goes by, they add on {$7.00} which has amassed {$400.00}. I have never missed a car payment for the couple months I have had this vehicle and don't wasn't this to mess up my credit because an error in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/23, I checked my account to see the balance. At that time, I had a positive account balance. On XX/XX/23, I received an email notification of an overdraft. When I logged in to my account, a fee has already been charged. I contacted Fifth Third to ask that the fee be waived as I would have brought the account positive prior to a fee if I had been aware. They maintained that a notification was present in their system on XX/XX/23. I explained I had not received this and my first notification occured after the fee had been charged. They declined to waive the fee based on this internal notification that I was not sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This individual may have deep information of my credit and credit history. This company has used a tax credit agency to scam me for {$500.00} to {$800.00} and I believe she then syber stalked me to gain access to my social security number to gain in my name as I have not been able to purchase credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: IN

Complaint narrative:
Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ). Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent. Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA. I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law. Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. Sincerely, 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 2023-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Received credit report alert on XX/XX/2023, logged in to view alert had a company DBA Paragon Revenue GR, with address ( XXXX XXXX XXXX XXXX, NC XXXX, Phone XXXX XXXX XXXX XXXX XXXX Collections Balance Date, Balance. Tried calling immediately, XXXX XXXX XXXX. Contacted company next day XX/XX/2023 to verify debt. Advised rep I have not received anything in the mail for this debt. I have paid all my bills on time, even payment arrangements on time and have not had any collections on my credit in the last 5years. How can something be placed in collections if I was never given notice of an outstanding bill, the account number, where to pay, how to pay, or even set up payment arrangement? The rep could not give me any information and kept asking me for account number which I did not have because I have not received any type of bill/notice, and then asked me for my social security number which I did not give due to have recently been a victim of data breaches through several providers I have accounts with. I did give my name/ date of birth, address for identifiers. The rep advised without an account number/or ss # he could not help me. If I had been given a notice, pay by date, or someone to contact to make payment arrangements this would have never made it to collections. My credit has been clear for some time, and I have made it an process to always contact a biller for any outstanding debt once I receive notice that I have an outstanding bill. I have no clue who turned me into collection and for what and when I incurred the debt. My information is limited all I have is what is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: NY

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX AMOUNT : {$610.00} ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX AMOUNT : {$6600.00} ACCOUNT NUMBER:XXXX XXXX. XXXX XXXX  AMOUNT : {$1200.00} ACCOUNT NUMBERXXXX XXXX. XXXX XXXX XXXX XXXX $ ACCOUNT NUMBER : XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-09-05 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
I am behind on my bills for the month of XXXX. I spoke with XXXX from 21st mortgage last week XX/XX/XXXX and told him I would try to have the amount by the XXXX of XXXX but I couldnt promise. I asked if it was possible to put this payment off or add it to the end of jt mortgage and he refused. He said that is not an option. It was due XX/XX/XXXX. He called me today and when I explained that my check wasnt enough, he proceeded to demand to know where I had spent my money. I start to explain to him about utilities, food, just the necessities that I have had to cut back on, and he proceeds to berate me for not having the money. THIS ONE TIME. I hung up on him because I was want getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I checked my online chase bank account, I saw three fraudulent checks {$3000.00}, {$2400.00} and another {$3000.00} withdrawn from my checking account. I called XXXX XXXX department at the same night. They froze my account. 

After my chase checking account was frozen, there were two checks by the Telecheck services automatically rejected by XXXX. All fraudulent activities seems happen around New York where I stayed at Texas and never been to New York for the last 10 years. 

XXXX has investigated the fraud and refunded my account. 

Telecheck services sell the two rejected checks to debt collectors, I have responded with the debt collector, but Telecheck services continue to sell the debt to different debt collectors.

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