vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, n 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 2022-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank, XXXX XXXX XXXX, XXXX XXXX XXXX Bank Officials XXXX XXXX and XXXX XXXX XXXX Customer Service I have received two notices concerning my mortgage payments, they are delinquint and am being charged fees. Since I started payments on the mortgage XX/XX/XXXX I have always made my payments sometime a little before to a little after the date, this last month I have been falsely accused of missing a payment. My loan details can be confirmed that I have made payments, they have been posted, and no issues until now. 
I have sent copies to the bank in Mississippi requesting the fees be dropped and any negative comments on my credt if any to be removed. I have paid the late FEE of {$250.00} as of XXXX XX/XX/XXXX just to avoid additional issues. I make my paymenys electronically and always have since my account has been active. This unfair and unjust action against me has caused severe emotional XXXX, lack of sleep and constant worry. Please help. Respectfully 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 non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX, XXXX XXXX Acct # XXXX balance {$160.00}, XXXX  XXXX XXXX  Acct # XXXX balance {$21000.00}, XXXX  XXXX XXXX XXXX Acct # XXXX balance {$51000.00}, US BKPT CT Pa XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX # XXXX, n 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 2022-06-08 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: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX # XXXX, n 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 explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
Received letter on XX/XX/22 in which they demanded payment. I responded with a certified letter on XX/XX/22 requesting validation. They have not responded for 2 months but continue to report this debt to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I believe it was XX/XX/XXXX me and my best friend went down to chase bank that's where my account is we both went in my bff tried to cash her check that was a inheritance and they wouldn't cash it the amount is XXXX well she ended up signing over the check to me inside bank we both showed ids and they deposited the XXXX the check is also from a chase bank well two days later check was cleared and available but when I went to atm it wouldn't let me have any money so I went into branch they said me and her had to go in with IDs again so we did and the fraud department says that never happened and been putting us on a run around the check was cleared back on XX/XX/2022 and they still have myomey and not trying to give any of it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX, XXXX XXXX  Acct # XXXX balance {$160.00}, XXXX  XXXX XXXX  Acct # XXXX balance {$21000.00}, Pa XXXX XXXX XXXX Acct # XXXX balance {$51000.00}, US BKPT CT Pa XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}, XXXX XXXX XXXX XXXX XXXX  Account # XXXX balance {$2000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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 2022-06-08 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$2000.00}XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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 2022-06-08 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}, XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$2000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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 explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a phone call from phone number XXXX which I ignored. They left a voicemail stating that their name is XXXX last name unintelligible. Calling in reference to a matter forwarded to her office in consideration to legal action which includes a filing of a lawsuit and complaint with the court and to contact the firm handling the files by calling XXXX reference file number XXXX. Stating that it is a time sensitive matter and will proceed without my consent if I do not call back. They also called one of my siblings stating that same information in regards to this matter against me. I called the number and the person that I spoke to stated that his name is XXXX XXXX and he stated that XXXX XXXX XXXX was suing me for over {$5800.00} for an account that I supposedly had in XXXX and never paid overdraft and other fees. He said that I should have received something in the mail in XX/XX/2022. I then told him that I have never received anything from XXXX XXXX in regards to this matter. He said that he would transfer me to the lawyer 's across the hall handling the case to see if they would drop all charges except what was originally owed to XXXX XXXX. I never spoke with a lawyer but after a brief hold XXXX XXXX came back and said they agreed to drop everything if I paid the original {$1100.00} with either a XXXX or XXXX. I asked him to please send me the documents I was supposed to have received in the mail via email so that I can confirm this was legitimate. He stated that he can only send me the document for me to sign agreeing to pay the second amount. He also assured me that this was a legitimate business by rattling off my full SSN, birthdate, current address, and letting me know that he has a copy of my driver 's license from another state that I lived in a long time ago. I have the document he wanted me to sign to pay the {$1100.00} with another name on the bottom of XXXX XXXX. I did not pay anything and have since done research on the names and other information for this company and nothing is adding up. My sibling and I agreed that it was a scam so now I am reporting it and filing identity theft reports, etc. 
The supposed law firm/company is XXXX with an address of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. An internet search shows that's not a physical office but a virtual office space.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I filed my taxes on Credit Karma This year. Credit Karma offers to speed up the time of your refund if you allow them to open a Credit karma Visa card Issued by XXXX XXXX. I trusted Credit Karma, it is a Visa debit card and I also trust XXXX. So I allowed my refund of {$4800.00} to be deposited into this account. I received the card and used it for the first time on XX/XX/XXXX at XXXX in XXXX XXXX Florida for the amount of {$240.00}. I only used the card one other time on XX/XX/XXXX at a restaurant named XXXX, also in XXXX XXXX Florida in the amount of {$60.00}. I tried to use my card a few Days Later at a XXXX in XXXX XXXX Florida and the card was denied. I thought that was odd So I checked the cards status when I got home only to see that the card was bled dry by a bunch charges in Illinois and Wisconsin. I never lost the card, nor et any on have it nor gave anyone permission to use the card. These charges were totally foreign to me so I called the number on the back of the card ( XXXX ) to file a dispute. Maybe 2 days later I received an email on XX/XX/XXXX Stating that there was an update to the dispute I had made. I clicked the link which brought me to the Credit Karma website where it showed my negative card balance and a link to a PDF which I will attach. On the PDF is shows all the disputed transactions and a note at the bottom that more or less said that I authorized those purchases and therefore my claim was denied. It wasn't until that time the I realized the one of the charges on the was one I had made and was accidentally included in the dispute. That was the charge to XXXX restaurant on XX/XX/XXXX for {$60.00}. But the vast majority ( {$4500.00} ) was still fraudulent and stolen from me. They also stated the I have a right to any copies of the documentation they used to come to that conclusion and give a customer service number to call. I called the number to receive that information. I was a call center in the XXXX and the person I spoke to had nothing to tell me other than I will receive a letter in the mail which will have instructions as to how I can appeal the decision. There's no way they have any documentation of me giving permissions to use my card unless that document is also fraudulent. I would like to see that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am disputing the following personal information that is showing for me which is incorrect. Please remove incorrect addresses because I do not reside there. Please remove incorrect name variations because those are not my legal names. 

XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive tried to dispute certain things with Experian that they are unwilling to take off. They give me difficulty disputing items, Im unable to submit online disputes and I cant dispute items over the phone because they verified them. All they did was call the companies directly rather than verify through their 3rd party data suppliers. Ive tried to dispute XXXX XXXX XXXXXXXX multiple times. XXXX and XXXX have already deleted this. Ive already told Experian how the IRS confirmed my identity has been stolen. They told me to provide FTC forms and I provided ftc forms. Since its already been disputed, they dont let me dispute it anymore. XXXX XXXX and XXXX consumer late payments were taken off of my XXXX and XXXX credit reports. For some reason, Experian has been reluctant to take this off. I have a collections account from XXXX XXXX XXXX for an att. This has been reinserted into my credit report so many times I cant even count. I would like this att bill to never show up again. Late payment for XXXX XXXX bank should also be erased. I just received a correspondence about how I have several on time payments with them. Ive also already disputed with the account directly.

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 2022-06-08 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: MD

Complaint narrative:
I have sent several letters to Equifax asking them to update my credit history to match that of the other reporting companies and they have not made any changes resulting in a score thats way beneath the others. This continues to hurt my overall score because of their neglect to stay up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX deliberately padded my credit card with late fees to report to the credit bureaus an over the credit limit balance. TransUnion subsequently bludgeon my credit score by downgrading it XXXX points.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX, XXXX and Experian has an very old account listed and showing on my credit report and profile that should have been removed over 10 years ago, this is the second account I've discovered & according to the FCRA, accounts showing and has reported inaccurate information for many years are to be removed immediately. I am requesting immediate removal of this account as the statue of limitation has expired on reporting and it is causing my credit profile too be risky to potential new lenders and also causing harm to my credit score by keeping it lower than it should be. As I have had ZERO derogatory, missing or late payments in almost 6 years.

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 2022-06-08 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: FL

Complaint narrative:
XXXX XXXX deliberately padded my credit card with late fees to report to the credit bureaus an over the credit limit balance. XXXX subsequently bludgeon my credit score by downgrading it XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed on my XXXX report there are inquiries that I don't recognize. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. Unauthorized inquiries listed below... 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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: FL

Complaint narrative:
I noticed on my XXXX report there are inquiries that I don't recognize. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. Unauthorized inquiries listed below... 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/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