vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to manage the security freeze on my Equifax Credit Report using the website, automated system or the mobile application. I also am unable to use the XXXX XXXX XXXX website or mobile app to manage a credit lock either. My address is also incorrect on my report and I have sent the requested identity documents several times for verification by mail and fax as instructed but there has been no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: 2288984 Ontario Inc.
State: FL

Complaint narrative:
XXXXMoneyKey is an account that i do not remember as mine ... .. this accoun is a mistake in my credit report ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had initiated a online Funds transfer on XX/XX/2023 from my savings account at CHASE bank to my new account at the XXXX XXXX, my account at the XXXX XXXX is a verified account ( by Chase Bank ) instead of transfering the money as requested Chase Bank rejected my request, is Chase Bank failing or going under that they are preventing customers from withdrawing funds from their accounts? these actions of Chase Bank is deterimental to regional banks, I am wondering if Chase Bank is trying to cause regional banks to fail? 

I want you to initiate an investigation into Chase Banks illegal activities, and also help me recover my funds from my Chase savings account ( my funds in the savings account are seaoned funds not new deposits ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: TX

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

The letters are stated with items and issues.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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:
XXXX and Experian : Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX  XXXX Disputing updated claims. 
These accounts have been inaccurately reporting on my credit report and NEED TO BE DELETED IMMEDIATELY. The first dispute was brought to my attention as verified, however both agencies have TRIED and also advised about the updates on these accounts but somehow they are still reporting inaccurate information on my credit profile! I wonder why?? Are these investigations ACCURATELY being investigated?! MULTIPLE times these accounts have been updated, although my dispute request was for them to be removed due to inaccuracy yet no ACCURATE resolution has been done. I have attached 3 of my credit reports before and after these disputes to show proof of the inaccuracy upon multiple attempts of disputing. As you can see XXXX has now separated the XXXX XXXX '' account so were unable to compare the inaccuracies. XXXX has also removed the account number and changed the creditors name as it was listed differently previously. These investigations are misleading and becoming stressful. Now I am asking for IMMEDIATE PROOF of these investigations listed below or I DEMAND these accounts be DELETED not in 30 days but IMMEDIATELY! 

Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 

Thank you for your time and cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I initiated a XXXX XXXX  XXXX XXXX deposit to my bank account. On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX. The instant deposit is supposed to credit your account immediately for a fee. The mine did not deposit into my bank account until XXXX days later I had to file a dispute with XXXX and fifth third bank XXXX days later, after following the dispute, the phones became available in my account. However, I had XXXX transactions that came through the account that was not covered because they did not put the funds in my account which was requested to be done instantly because of this XXXX charge me XXXX overdraft payments of {$34.00} each. I contacted this third and was told that they were having issues with XXXX and XXXX XXXX, not depositing monies as they were supposed to but yet still could not refund me my {$74.00} that was charged to my account. This was charged due to no-fault of my own. This was on fifth third bank or XXXX XXXX. I called XXXX XXXX and ask them to give me the funds back and they said no as well so XXXX is blaming fifth third. Fifth third is blaming XXXX. Again fifth third stated that they were having problems with XXXX in terms of depositing money into customers accounts so if you know this information, why are you charging the customers fees because of this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 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:
Experian has failed to correct the erroneous account information, directly violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Refrenced accounts - XXXX # XXXX and XXXX XXXX account # XXXX This is my fifth and final attempt to address this issue before pursuing legal action. I want to emphasize the gravity of the situation and the severe consequences that will follow if Experian does not take immediate action to remove the erroneous account from my credit report. 

I urge Experian to promptly investigate and rectify this issue, adhering to the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ) and the FCRA. Failure to do so will leave me with no choice but to escalate this matter through legal channels and seek appropriate remedies. 

I demand immediate action from Experian to correct the inaccurate information and restore the integrity of my credit report. I expect a timely response to this complaint, acknowledging the receipt of this letter and providing updates on the steps taken to resolve the issue. 

Please be advised that I am prepared to pursue all available legal avenues to protect my rights and seek appropriate compensation for the damages caused by Experian 's negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-06-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-06-29 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: DISCOVER BANK
State: NY

Complaint narrative:
Accordance with the fair credit reporting act XXXX  account number has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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.

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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.

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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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:
XXXX XXXX XXXX XXXX  poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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:
XXXX XXXX XXXX XXXX poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: 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. 

Account name : XXXX XXXX Account XXXX Account name : XXXXXXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
We are facing foreclosure on the home sale date of XX/XX/XXXXXXXX XXXX. Aside from many other problems recently we lost a family member to XXXX XXXX XXXX XXXX XXXX was a resident of this house for 16 year her name is on the deed of this house. 
In Order to postpone the sale date so that we pay off the loan here is what we did. 
XXXX. We sent Select Portfolio Servicing proof of where the funds may be coming from. 
XXXX. We also inform them XXXX XXXX left another property which is up for sale and we intend to use funds from that sale to pay off property at XXXX XXXX XXXX  XXXX which is set XX/XX/XXXXXXXX XXXX auction, that was XXXX XXXX last wish XXXX. We also sent them a pre-qualified letter from a Mortgage company that potentially is approved for {$530000.00} to buy this property for us. 
What SPS did not do : XXXX. Never offered a payoff amount XXXX. Did not offer forbearance option XXXX. Did not acknowledge receiving any of these documents This complaint against their so-called Ombudsman department according to the SPS Ombudsman supposed to help the consumer but sadly reality is something different. SPS is engaged in accruing underperforming mortgage from Banks only to foreclose them but many times they deceived the consumer led to them believe they are help them. The SPS Ombudsman Department is involved in fraudulent practice and we demand a thorough investigation of their activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation