vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: WI

Complaint narrative:
Have excessive telephone numbers reported on XXXX XXXX XXXX XXXX and unable to login to dispute and " Block because I am XXXX Blocked '' so they can implement systemic discrimination as XXXX XXXX is not allowing me to dispute reporting by blocking XXXX from login into their system to continue their report of erroneous information as to excessive telephone and not reporting or allowing update to correct telephone number of XXXX to assist companies and Banks discriminate. 

It's been said that government agencies like " XXXX XXXX XXXX and IRS '' have Dept. of Justice to harass senior citizen and cover-up discriminate and could be involved with this type of corruption or discrimination or due to politics. Practice to evade federal protection at FRCA or ECOA and other laws to protection American by systemically discrimination and maybe one of the cause violations in America. 
Even XXXX XXXX employees have no power to correct allow login because I am XXXX Blocked. 

Equifax will not let me login or anything because they want to continue to report erroneous information systemically to XXXX-Blocked my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: AL

Complaint narrative:
Company illegally repossessed a car from me when they asked for proof of payment they stated they only had a fax # so sent info to them to find out they dont have an office.Then they sent it to a firm to collect paid settlement because I was being harassed and then that company couldnt send a settlement paid letter so they sent it to another company to collect now Im being harassed by them. I have tried calling the company for a year they dont even have a valid phone number to talk to anyone and they also dont have a valid address to send information in certified letter. They also have it listed on my credit report as at least XXXX different amounts owed and they report it every XXXX months.

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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I ask the creditors to validate my debt by sending me the original sign agreement with my signature and they want send it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I tried to sign up for a checking account at Wellsfargo. The initial deposit was for {$500.00}. Wellsfargo then withdrew {$500.00} twice for a total of {$1000.00}. They then gave me two checking accounts. When I got the debit cards in the mail they said they have a XXXX dollar balance on them. I called Wellsfargo and they said that the accounts were canceled by them. When I asked them about the money I deposited the supervisor XXXX then said she can not see what I deposited and that they normally return money in 5 business days. I then pointed out to her that it's been over 7 business days. I asked her when I would get my money back and she said there is no time table when I will get my money back. I asked her if there was anyone in the entire company who could tell me when or if I would get my money back and she said there is no one that can. I also asked her for a ticket number or something I could submit about the dispute I am having with them and she said there is no documentation she could give 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 2023-03-22 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:
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 XXXXXXXX, 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 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 non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX SST, formerly XXXX ; my account # : XXXX Originally, I agreed to a personal ( unsecured ) loan for {$4000.00}, online. I was approved ; ( I need it for an tooth implant ). However, they let me only access {$2000.00} of it and say that I have the rest in a 'savings ' account ( theirs, not mine! ). But I object to having to pay back the interest on the whole {$4000.00}, even though i haven't received it Yet. 

The balance I owe is {$2700.00}. If I understand correctly, When that is paid back I will have access to the {$2000.00}. 
I would like clarification that if I pay back the total ( which goes up each month ) that I will not have to pay any interest on the savings of what is now {$2000.00} ) It's very confusing to me.. 

why would the " savings '' be accruing interest? IT IS NOT A SAVINGS ACCOUT, I NEVER AGREED TO THAT, it's just the balance due of {$2000.00} from the original {$4000.00}. 

The won't tell me the interest rate. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am furious, this is the third time now trying to get answers to this problem, wells fargo is now denying even having been invovled with our mortgage loan, they stole our house in 2011 i have all kinds of fraudulent paper work from them and they will not give us answers as to why they stole our house, we want someone to do the whats right.

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 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX did not properly notify myself abd provide a legal legitimate wet signature for said collection. It was disputed and no response from them on legitimacy of debt. As I do not know that company. They reported it to all 3 bureaus without me being acknowledged of Alleged debt without proper validation and contact with me. Allegedly there was an account from Advance America without my signature again they will not verify

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U-S-C 1681. 
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 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.

15 u.s.c 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that 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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I had a free trial with the company XXXX. I canceled my free trial, and XXXX said I owed them {$130.00} and that I needed to make a payment or the account would be sent to collections. This is inaccurate because I canceled my free trial. 

I tried calling XXXX several times and they stated they couldn't do anything about it. I am needing these unjustifiable payment charges to be solved and taken out of collections so they wont be reported to the credit bureaus, because this shouldn't be in collections in the first place because I canceled my free trial with 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 2023-03-22 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: SC

Complaint narrative:
This account has not been properly verified for inaccuracies. Account Name : XXXX  XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 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 information relating to any transaction by the consumer.

I am allowed under the HIPAA 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 to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients 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 non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
called bofa XX/XX/2023, claimed a credit card using my name and ssn was a fraudulent application. I called the bank today and the account was not closed. They didn't do anything.

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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fairway Capital Recovery, LLC
State: TX

Complaint narrative:
I paid off my " {$810.00} '' debt directly to XXXX XXXX XXXX in XX/XX/XXXX. {$810.00} is in quotations because that is what Fairway Capital is trying to receive and that was not actually the debt amount owed to XXXX XXXX. I called the company XXXX Fairway Capital Recovery XXXX in XX/XX/XXXX and informed them about the debt payment completion ( they were working on behalf of XXXX XXXX XXXX ) and to close my account. However, on XX/XX/XXXX, an update was sent to credit bureaus WRONGLY stating this debt as unpaid. They then informed me ( when I called on XX/XX/XXXX ) that they CHOSE not to follow up with my update from XX/XX/XXXX. Essentially, I told them the payment was made and they did not find it necessary to go and verify that information. I spent XX/XX/XXXX, XXXX, XXXX, and XXXX trying to get them to close the account and they kept claiming they would not do so as their liaison to XXXX XXXX had not informed them of the change. However, upon speaking with XXXX, I was told they have not given Fairway Capital recovery any directives to ignore my statements about completed payment.

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 2023-03-22 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: WI

Complaint narrative:
Transunion, I have made them aware of the fraud inquiries due to identity theft and they won't remove them. it's 70 inquiries its no way I would do something that stupid. i have reported over and over since 2021 and inquiries have still been made now I put a freeze on all my reports, please help me get these inquiries removed for good thank you

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 2023-03-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is failing to protect me against a merchant who isn't refunding me for a refundable purchase I made, in direct conflict with the merchant 's Terms & Conditions that I agreed to at time of purchase. 

After the merchant refused to refund me, I disputed the charge with Chase ( XXXX XX/XX/2022 ). The dispute was closed by Chase ( XXXX XXXX ), and they provided the documentation sent by the merchant, which was an excerpt from their XXXX & XXXX. However the terms state unambiguously that in my situation I should be entitled to a refund by the merchant. Chase did not contact me for any supporting documentation during the initial dispute. 

Since then I re-disputed several times ( XXXX XXXX, XXXX XXXX ) providing clear documentation of the merchant 's refund policy, such as a highlighted excerpts from the merchant 's XXXX XXXX XXXX. 

Chase has closed all disputes stating that they determined the charges were valid and without, as far as I can tell, understanding the merits of my case against the merchant. 

Chase has provided no specific information about why they think the charge is valid, or why they do not believe the merchant should have refunded me. 

I am attaching : 1. My most recent dispute letter, which includes details on the original transaction and the documentation I provided to Chase. This also includes the dispute claim identifier Chase would need to look up my case. 

2. Chase 's response resolving the dispute in the merchant 's favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CCS COLLECTIONS Address- XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone - XXXX ) XXXX My complaint is CCS has wrongly reported to the credit bureau that I have a collection with them in which I never received any letter or call or VM stating I had a debt I never had a chance to dispute the debt to see if it was validated. In XXXX I was forced to relocate due to significant damage to home due to hurricane IAN I was forced to be in a hotel up until XX/XX/XXXXXXXX  I have told them and sent them documents showing I was in temporary housing and that I never received anything in regards to this debt they refuse to remove it off my credit report they have not sent me any validity that this is my debt I wish for this to be removed and for them to ACTUALLY contact consumers instead of just reporting to the credit Bureau also the date that it was opened according to my credit report states on XXXX Date of First Delinquency XX/XX/XXXXXXXX  but states on XXXX  Date opened XX/XX/XXXXXXXX  so if this is mine which date is it and how do I even know its mine CCS is reporting inaccurate information and I would like for this to be removed off my credit report and for CFPB punish them for this I was just notified of this on my credit report XX/XX/XXXXXXXX  and thats the only way I found out about this debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: LA

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( 3 ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. XXXX XXXX : Acct # 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 2023-03-22 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: SC

Complaint narrative:
This account has not been properly verified for inaccuracies. Account Name : XXXX  XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 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 information relating to any transaction by the consumer.

I am allowed under the HIPAA 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 to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients 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