vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: AZ

Complaint narrative:
XXXX XXXX XXXX Attention : Experian This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XXXX Made with : Experian Made by : XXXX  Made on : XXXX Made with : Experian Made by : XXXX XXXX  Made on : XXXX Made with : Experian Made by : US Sm Business ODA Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXXXXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : 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 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Got a letter from Chase saying the closed my checking account without explanation. I have had this account for several years and have had any issues. Never had an overdraft or any other issue. Called them and was told they did not have to give a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission toto XXXX XXXX XXXXXXXX # XXXX, WAKEFIELD & ASSOCIATES I # XXXX, XXXX XXXX XXXXXXXX XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than toto XXXXXXXX XXXX XXXXXXXX # XXXX, WAKEFIELD & ASSOCIATES I # XXXX, XXXX XXXX XXXX XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a letter from my bank, dated XX/XX/2021, that indicates that my personal line of credit, with a limit of {$7000.00}, will be closed on XX/XX/2021. The letter states that this closure is final. In order to avoid losing a significant portion of my available credit, I called the bank on XX/XX/2021, to request that a portion of the credit limit for the personal line be reallocated to a credit card I hold with the same bank. I was informed that, since the personal line is not a consumer credit card, it is not eligible for reallocation. Consequently, I have no way to reduce the ramifications of this compulsory account closure on my credit rating.

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 2021-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XX/XX/2021, I spoke to an Equifax supervisor regarding a creditor not displaying on my credit file. The supervisor advised as a result of a complaint against Equifax, Equifax contacted XXXX XXXX XXXX XXXX to confirm whether or not the credit information was to appear from my file. The supervisor advised between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX stated to delete open and active accounts from my credit report. The supervisor stated he along with two additional departments he would work to have the accounts placed back on my credit report. He also stated he would investigate and contact me today. 

After, not hearing from the supervisor, I contacted Equifax, and requested to speak to a supervisor. XXXX, ID # : XXXX took the call. XXXX informed me the previous supervisor did not document the matter ; rather the notes, according to XXXX stated to escalate the matter. XXXX, refused to tell me the department in which the matter was escalated to. All XXXX continued to ask me for 40 minutes what did I want to do? I over and over again advise him to read the notes. XXXX continued to state " there were no notes ', 'and if I had a reference number ''. 

For 45 minutes, XXXX, Equifax Supervisor would not assist me in resolving the matter. I continued to tell him I wanted the accounts to be placed back onto my account ; he needed to take the dispute and contact XXXX XXXX to determine what reason they deleted my accounts. XXXX refused to take a dispute ; stating, " you need to contact the creditor ''. I advised I did. 

I ended up disconnecting from the call. I have never experienced the blatant disregard from a supervisor I did from XXXX. His refusal to gather information, to look into the matter, take a dispute if needed, or simple research the notes was unprofessional and disrespectful to me and his duty. I disconnected the call without the matter being resolved. 

To date, Equifax has not fixed the false information or investigated the false information reported to Equifax, as a result, the account is not displaying on my report. Their action has caused an injury to my credit score. The aforementioned is an ongoing matter with XXXX XXXX XXXX XXXX XXXX. It Equifax and XXXX XXXX are working together to dismantle all the hard work I have done to improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: I.C. System, Inc.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission toto I.C. SYSTEM, INC # XXXX, XXXX XXXX XXXX I # XXXX, XXXX & XXXX XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than toto I.C. SYSTEM, INC # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed inaccurate information on my credit report to XXXX, XXXX, AND TRANSUNION and they have failed to comply with my request and have not responded to any of my letters for over 60 days!

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 2021-08-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed inaccurate information on my credit report to XXXX, EQUIFAX, AND XXXX  and they have failed to comply with my request and have not responded to any of my letters for over 60 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: ERC
State: NC

Complaint narrative:
I just had a account hit my credit report about a week ago for {$820.00}. I don't know what it is for or who the original company is. No one has reached out to verify the information they've added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: MN

Complaint narrative:
The following XXXX XXXX XXXX MasterCard Account : XXXX-XXXX-XXXX-XXXX  listed on my Equifax and XXXX  credit report is lost/stolen, and the credit card account dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
I have paid a balance that was owing outstanding to Fortiva ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a XXXX  XXXX. I have changed my name with all of my creditors and with every single government agency. I have petitioned every Credit reporting agency to change my name. Credit reporting agencies are still reporting under my old name, or have split my account information between two different names, but with the same social security number. This is unacceptable to me. It is hurting my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I am currently seeing a debt collection in my credit report that as clearly been there since XX/XX/2021. The original balance of {$550.00} which was further pushed to {$1000.00}. A cellphone is the main object of this matter and such phone was mailed back to phone company as I was instructed to. Therefore, I don't think I should be held accountable and I want such to be removed from my credit report IMMEDIATELY AND PERMANENTLY.

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 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Original Debt is from USAA in the amount of {$15000.00}. The only time I have contacted USAA reguard this debt is when I was not able to make any payments on this debt. 

Credit Report states as of XX/XX/XXXX : Account delinquent 180 days past due date : Unpaid balance reported as a loss by credit Guarantor. Account closed by credit grantor : Last paid XX/XX/XXXX. 

XXXX has been mailing me settlement statements for settlement in the amount of {$6800.00} in 8 payments of {$760.00} and 1 payment of XXXX. 

Now, I have started receiving letters from XXXX with a threat of judgment in the amount of {$15000.00}. In addition, they have been calling my phone under multiple different phone numbers. 

I have contacted the three Credit Bureaus multiple times to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On today, XX/XX/2021, I waited on hold for over 20 minutes after trying to reset my password online unsuccessfully multiple times. I spoke to agent XXXX on XXXX who tried to submit a payment XXXX and indicated it was unsuccessful and that the " digital support team '' would have to figure it out. She then transferred me to the digital support team who was closed. 

These people and their website are an absolute joke. A billion dollar company that can't process a payment on the phone or a payment on their website. SunTrust is garbage. This Company should be fined for not allowing people to submit payments. Class action lawsuit.

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 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ON XX/XX/21, XX/XX/21 and XX/XX/21 I have made several attempts and reached out to the reporting companies regarding s allege debt. I have mailed certified dispute letters in an attempt to validate this account with the creditor and verified with the reporting credit Bureaus and no one has provided me with any documentation to verify this debt. XXXX have send several automated-generated responses and XXXX and Experian has completed ignored my requests.

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 2021-08-03 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: MI

Complaint narrative:
I have paid a balance that was owing outstanding to XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.

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 2021-08-03 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: MI

Complaint narrative:
I have paid a balance that was owing outstanding to XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX. I have changed my name with all of my creditors and with every single government agency. I have petitioned every Credit reporting agency to change my name. Credit reporting agencies are still reporting under my old name, or have split my account information between two different names, but with the same social security number. This is unacceptable to me. It is hurting my ability to get credit.

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 2021-08-03 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received {$1100.00} worth of unknown charges billed to my credit card. Bank of America reviewed the charges and declined the fraud dispute saying that I purchased these items. I called to inquire as I know I did not purchase from the vendor listed. In discussion with the investigator we determined that the orders were placed from a fraudulent email account, and we reviewed the USPS tracking numbers, which indicated several anomalies. I followed up with the manager if my local USPS office the next day. They confirmed the items were delivered to an address other than mine. I discussed with the bank and they reopened the fraud investigation case while the USPS also opened an internal investigation. Bank of America responded about two weeks later that they declined my claim again. I have refutable evidence that I did not order or receive the merchandise, yet they continue to decline my claim and insist I owe them for charges which are clearly fraudulent.

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