vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 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: CA

Complaint narrative:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX  XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # has violated my rights. XXXX XXXX {$0.00} XXXX XXXX {$430.00} XXXX XXXX {$0.00} XXXX  XXXX {$4200.00} XXXX XXXX {$0.00} XXXX XXXX {$2200.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX XXXX {$55.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$370.00} 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 instruction.

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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td bank had my fund and I went in several times to find out where my money was going bc I felt like it kept disappearing. When I went in they said several times they didn't see in anything happening but I still came in 2 more times. After that the bank shut down my card stating that there was an issue with a deposited check and my ATM card stopped working even though I had never written checks from my account they allowed aomeone to write over XXXX XXXX dollars in checks over the span of XXXX to XXXX and even though my name was spelled wrong on the checks written still allowed them to deposit these checks in to their accounts. They are now refusing to refund any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: AL

Complaint narrative:
I was late on my payment and Fairway Independent Mortgage Corporation went up on my mortgage by almost {$500.00} a month claiming it's for my escrow. I only pay homeowners insurance out of the escrow which is {$1400.00} a year, I do not pay property taxes in Alabama because i'm XXXX  XXXX XXXX  & XXXX  XXXX veteran. This is predetory lending practice. When i ask where is the {$600.00} that was said to pay property taxes i receive no answer. The are trying to take my home away for a one time late payment. I receive threatning phone calls and messages monday-friday and also threatning letters in the mail. I'm on fixed income and can not afford my mortgage to double in monthly payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been trying to add my external bank account to Bank of America to transfer money, but I can not add the new account. I always receive emails that a payee was added. However, I can not see that in my account. I contacted customer service and spoke with about more than an hour but could not resolve the issue. I still have the same problem and can not find a way to add my account. The Bank of America never contacted me or showed a willingness to resolve the issue. This is not the first time. This bank is so big that it does not care about customer service, only cares about money.

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 2023-06-16 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: MI

Complaint narrative:
I am not reliable for this debt with XXXX XXXX XXXX XXXX acct # XXXX, I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested.In accordance with the fair credit reporting act.The list of account has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.I told the Experian to reinvestigate this account however they stated everything was complete and accurate but how is that possible if the open account date, dates of last activity and much more is incorrect to 15usc1681 : ( 5 ) they are supposed to modify accounts that isnt reporting correctly.15usc1681 section 602A.States I have the rights to privacy.15usc1681 section 604A.section 2, it also states a consumer reporting agency can not furnish a account with out my written instructions.15usc1681c. ( 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.15usc1681s-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 accurate also they are not in compliance with metro2 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 2023-06-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: MA

Complaint narrative:
Our mortgage was sold three different times to three different companies. When it was sold to XXXX XXXX, we had nothing but issues. The only way to pay was to mail in a check. Since they do not have a presence in Massachusetts, we would not be able to go to a physical branch for verification to get access to online portal which is more efficient in making payments. Since payments had to be mailed it, once or twice, XXXX XXXX lost our check and never processed. No communication was sent to us. We came to know when mine and my XXXX  XXXX XXXX from Experian was sent that our score dropped due to delinquency. We tried called XXXX XXXX many times and no luck. Lot of back and forth and status keeps changing on our credit report. We sold our home that has that mortgage with XXXX XXXX and now purchasing another home. But because of the delinquency status, which is in correct it is impacting our credit score. The mortgage company has seen cases like this in the past and has advised to reach out to consumer finance to correct.

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 2023-06-16 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: MI

Complaint narrative:
Pursuant to 16 CFR 313.1 313.1 Section ( 3 ) which states a financial institution must provide an opt out disclosure to consumers from reporting nonpublic personal information and opt out of disclosing that information. 

Experian did not provide such notice before reporting any of my XXXX XXXX Account # XXXX information. 

Violation 1 : Late payment XX/XX/XXXX Violation 2 : Late payment XX/XX/XXXX Violation 3 : Late payment XX/XX/XXXX Violation 4 : Late Payment XX/XX/XXXX Violation 5 : Late Payment XX/XX/XXXX Violation 6 : Reporting collection XX/XX/XXXX Violation 7 : Reporting collection XX/XX/XXXX Violation 8 : Reporting collection XX/XX/XXXX Violation 9 : Reporting collection XX/XX/XXXX Violation 10 : Reporting Collection XXXX XXXX Violation 11 : Reporting Collection XX/XX/XXXX 2023

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 2023-06-16 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: CA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2018 ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$7200.00}.

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 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GB Collects, LLC
State: VA

Complaint narrative:
I accepted a contract for removal and installation of insulation in my residence XX/XX/XXXX with work to be performed XXXX XXXX removal of old insulation, XXXX XXXX company representative inspection of the removal and property before installing new insulation ; No one came to inspect the work before the installation ; I have tried repeated in writing and calling to ask that a representative come to fulfil the contract and ensure my investment is covered ; XXXX XXXX XXXX finished the installation. However, when my annual maintenance of HVAC equipment was performed ; insulation had been sprayed over everything including the HVAC, heating equipment ; and after repeatedly calling about this incident ; the company still refuse to send a representative to inspect the work. I was sent collection notice for immediate payment with an extra {$2300.00} fee tacked on to the {$6500.00} due with no interest in XXXX year ; with no intent to send a representative inspect the work performed and ensure that my equipment is covered from any future damage by spraying insulation on my HVAC equipment and that I have no rodent infestation and proper insulation. That is all I have been asking for based on the contractual obligation. A of XXXX XX/XX/XXXX, no one from the company, regional managers, district managers ; will respond or take action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: KS

Complaint narrative:
Im in the XXXX as an XXXX, got to my first XXXX XXXX and started to buy essential items for general living. The credit card company let me go over my limit by around {$300.00} and didnt contact me whatsoever and now I am struggling to pay off the credit card and also maintain my well being and buy essential items such as food, clothes, and military gear.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-06-16 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # has violated my rights. XXXX XXXX {$0.00} XXXX XXXX {$430.00} XXXX XXXX {$0.00} XXXX XXXX {$4200.00} XXXX XXXX {$0.00} XXXX XXXX {$2200.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$55.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX {$370.00} 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 instruction.

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 2023-06-16 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the public record of Bankruptcy XXXX  XXXX that is reported on my credit report. 

The address, name, social and date of birth affiliated with this public record is not accurate. 

My first dispute came back as verified but I was not given proof of how this was verified. 

The report shows that this information was provided by the US Federal Courts or US Bk Court ( which is not accurate ). 

I contacted the courts via phone and by certified mail, their response to me was that they can not and will not verify any information with anyone. Nor do they provide court documents or records with anyone, especially credit bureaus. 

Ultimately, this is a violation of the FCRA regulations and laws. 

1. ) Inaccurate Information Reporting for the supplier of information ( Courts ) however the ( Courts ) do not verify or provide information of court documents or records. 

2. ) The information of Person reported does not match my information : ADDRESS, DOB, NAME, SSN. 

3. ) How is this being verified or provided when the supposed supplier of this information has confirmed that they do not and can not do such action?

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the public record of Bankruptcy XXXX  XXXX that is reported on my credit report. 

The address, name, social and date of birth affiliated with this public record is not accurate. 

My first dispute came back as verified but I was not given proof of how this was verified. 

The report shows that this information was provided by the US Federal Courts or US Bk Court ( which is not accurate ). 

I contacted the courts via phone and by certified mail, their response to me was that they can not and will not verify any information with anyone. Nor do they provide court documents or records with anyone, especially credit bureaus. 

Ultimately, this is a violation of the FCRA regulations and laws. 

1. ) Inaccurate Information Reporting for the supplier of information ( Courts ) however the ( Courts ) do not verify or provide information of court documents or records. 

2. ) The information of Person reported does not match my information : ADDRESS, DOB, NAME, SSN. 

3. ) How is this being verified or provided when the supposed supplier of this information has confirmed that they do not and can not do such action?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted the credit reporting agencies and informed them of the attached document and list of inquiries ( reporting as aggrevated identity theft ) that are not authorized or should be visible on my consumer 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 2023-06-16 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: TX

Complaint narrative:
I contacted the credit reporting agencies and informed them of the attached document and list of inquiries ( reporting as aggrevated identity theft ) that are not authorized or should be visible on my consumer 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