vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I was pleased to received the CFPB " Issue spotlight examines high fees that chip away at public benefits '' today. 

The State of California issued tax rebates via a prepaid card issued by Money Network Financial , LLC, owned by Fiserv. On XX/XX/XXXX around XXXXXXXX XXXX XXXX, I called the number on the card ( XXXX XXXX ) to get them to send me a check so I could avoid the fees they charge, but had an even bigger problem. I was greeted by a recorded message that said " we are having trouble recognizing your number please call back from another number. '' It then hung up on me. I was given no option to speak to someone and no menu of options for assistance. I called customer support at XXXX XXXX XXXX and was referred to the first number. There seems to be no way to contact the company. 

I called my state representative. They indicated other constituents had the same issue and they were exploring it. I tried calling Money Network again on XX/XX/XXXX around XXXXXXXX XXXX and got the same message. Of note, the number I was calling from each time was the same number used when filing my state tax forms, so there was no other number to call from that had a higher likelihood of being recognized. 

I recently received the 1099-misc form from the State of California for tax year 2022. It shows the {$700.00} sent to Fiserv intended for me, but lists me as the recipient, not Fiserv, even though 3 months later I still can not access the funds.

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 2023-03-02 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: NJ

Complaint narrative:
This is my follow-up letter, I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX the aforementioned items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-03-02 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: FL

Complaint narrative:
I have been a victim of identity theft. All my person information was stolen mainly my social security number and ID. I ask that the following items listed be deleted as soon as possible. Company reporting this fraud information Credit report Fraud items- Name : XXXX XXXX Phone Number : ( XXXX ) XXXX Balance {XXXX} Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX Opene : XX/XX/XXXX, Name : XXXXXXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Incorrect address : XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Pa 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 2023-03-02 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023. I received a text message from an automated message from JP Morgan Chase saying that there is suspicious activity which then they called me from exactly Chase 's number except the last digit. ( XXXX ) They told me there is suspicious activity so they were going to move my money to another account to protect it. While this was going on, my wife thought it was suspicious and called the number on the back of our debit card to verify the number that was calling was legitimate. The agent that answered said it was part of their business fraud department so I carried on the conversation thinking that I was protecting my account. We were failed by that agent that day that should advised us to hang up and call back. 
After the conversation carried on, I became suspicious and walked into the XXXX XXXX, CA Chase Branch which they then advised to hang up the call. They then saw my whole business checking account had been wiped and several wires had been sent. Meanwhile, XXXX XXXX called me confirming if I was the one making these wire transfers- I confirmed I was NOT so XXXX XXXX flagged and froze the last wire. This recovered {$3000.00} but the other pending wires of {$11000.00}, {$6500.00}, and {$14000.00} had landed in a XXXX XXXX account. Chase filed claims, wire recalls and has made many calls. After not getting very far, my wife and I pursued XXXX XXXX. Case numbers were generated and they verified that the account that {$11000.00} went to was wiped, but the other account under XXXX XXXX contained the wires of {$14000.00} and {$6500.00}. Both banks have said that without a document called a Hold Harmless Letter or an Indemnity Form, XXXX XXXX can not return our funds. Chase Bank does not provide this form to their customers anymore. XXXX XXXX has offered to provide a template for this Indemnity form but Chase will not deal with documents that are not of their own origination. At this moment in time we hope we can work closely and swiftly enough with law enforcement/FBI/government programs as we have been advised to get our funds back.

Any help, advice, or guidance would be greatly appreciated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NJ

Complaint narrative:
This is my follow-up letter, I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX  / ) XXXX Balance : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX the aforementioned items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,

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 2023-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was approved by the Louisiana HAF, after Hurricane Ida. My initial application was scheduled on XX/XX/XXXX, and processed by Truist on XX/XX/XXXX. On XX/XX/XXXX, I received notification that previously accepted homeowners were now going to be assisted for additional monthly mortgage payments and that no further action was required by me. On XX/XX/XXXX, I was able to make one months mortgage payment, which I called in to do so- Truist accepted the payment. Since XX/XX/XXXX, the status on the HAF portal states Mortgage Reinstatement Payment Remitted To Lender Or Servicer. Please Allow Up To 30 Days For Your Bank To Receive And Post The Payment. Applicant Also Approved For One Or More Future Payments, Which Will Be Paid Monthly. I waited the 30 days and called Truist, my mortgage servicer, on XX/XX/XXXX to ask for a status of my account - when I was told that theyd received a lump sum of funds from the HAF and were just waiting for HAF to advise them on how to distribute funds to each account. They told me to call back the following Thursday, XX/XX/XXXX, which I did. This time I spoke to someone who told me the same thing as the last person Id spoken to. By this point, Id just received a check in the mail for the amount of the mortgage payment i made on XX/XX/XXXX, with a notice telling me that Truist was unable to accept my payment due to my account being >3 months late. Therefore, the only way they would accept payment to my mortgage was if the full delinquent payment was made. How do they expect me to have the full amount if Ive applied for the homeowners assistance fund? Ive called Truist yet again on XX/XX/XXXX with no success in getting an update on the funds awarded to me. Fast forward to today, XX/XX/XXXX, no payments from the HAF have been applied to my account, and Truist has now reported my mortgage as 4 months late to the credit bureaus. I just need some answers.

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 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion, XXXX, and XXXX are illegally reporting negative information on my credit report. 
I did not consent to this violation of my privacy 15 U.S.C. 1681 SECTION 602 A - states that I have a right to privacy. 

15 U.S.C. 1681 SECTION 604 A SECTION 2 - also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692A -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also, my credit reports from XXXX and Transunion are reporting different, inaccurate information which they falsely claim to have verified 15 U.S.C . 1681i ( 5 ) 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-03-02 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: CA

Complaint narrative:
Dear CFPB, I was legitimately late, but writing to explain the circumstances that led to the late payments and request your assistance with these two accurate late payments. The late payments are listed on my XXXX XXXX XXXX for XXXX, XXXX  and XXXXXXXX XXXX The account number is : XXXX My first ever consecutive late payments in 5 years with XXXX XXXX were due to a Federally Declared Disaster in California, a death in my immediate family ( death certificate available ) and my household getting infected with the XXXX XXXX  around the time of my two late payments ( explanation letter sent to XXXX attached ). 

I asked if they can please remove these late payments because my home 's refinance was stopped due to the two lates and our family is now in danger of loosing the home, but they sent a letter saying they have to report it by law and have no discretion to make a good will adjustment. Oddly enough, despite all my calls no executive wanted to get on the phone with me to confirm or deny this lack of discretion, and no officer or director answered any of my calls or voicemails.

While the creditor is not doing something illegal, they are definitely being unreasonable in not removing my first ever late payments to them in five years of on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-03-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i called wells fargo about the class action law suit regarding over draft fees and they said that they had no knowledge of this lawsuit and couldnt help

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 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
I XXXX XXXX are exercising my Right to Rescission 15 U.S. Code 1635 1026.23 for SIMPLE INTEREST VEHICLE CONTRACT FOR SALE AND SECURITY AGREEMENT & VEHICLE RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT established on XX/XX/XXXX, with EXTER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I am not liable for the debt amount acquired due to this was not a Credit Consumer Transaction under 15 U.S. Code 1605 - Determination of finance charge. This information was not disclosed to me at time of sale or business.

2.

3.

My finance charge with connections to my consumer credit transaction was not the sum of all charges as provided in 15 U.S.C. 1605 section A. ( 15 U.S. Code 1640 - Civil liability, section A ) any creditor who fails to comply with any requirement imposed under this part, in
cluding any requirement under section 1635 of this title, subsection V 15 U.S.C. 81605 part A-F 15 U.S.C. 8 ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
XX/XX/XXXX, I was charged Emission inspection fee {$35.00}, Documentary fees {$490.00}, Taxable selling price {$8500.00}, sales tax {$710.00}, Title Fee {$29.00}, First Centennial Warranty Insurance {$2100.00}, GAP {$380.00}, Trade in Allowance {$500.00}, Trade in sales tax credit {$41.00}, Deposit/partial payment {$3000.00}. I paid in cash & with debit card. These charges are considered a criminal act on behalf of the creditor against obligor and were to be covered under the Finance Charge.

15 U.S.C. 8 1605-part A - F, 15 U.S.C. 8 1601-1667f, Tillman Act of 1907 ; Were violated by Exter Finance Corp & EXTER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as highlighted in yellow on attached contract documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: LA

Complaint narrative:
Please see attached docs detailing where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2023-03-02 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: LA

Complaint narrative:
Please see attached docs detailing where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Avadyne Health Holdings, Inc
State: PA

Complaint narrative:
I am requesting a wet signature signed contract that I owe H & R ACCOUNTS INC! They have also placed a late payment on the account and the accounts are closed. If the company can not send a copy of the original contract with my signed signature confirming that I am or have done business with H & R ACCOUNTS INC directly showing I owe their company and an agreement signed wet signature binding our relationship! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA /FDCPA it's a direct violation you CAN NOT place a late payment on a closed account!

Company response to consumer: Closed with explanation