vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: TX

Complaint narrative:
I am writing to file a formal complaint against EXPERIAN ( hereinafter referred to as " the Agency '' ) for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their refusal to remove an unwarranted charge of {$480.00} for an apartment that I moved out of and always paid rent for from my credit report. Identified as XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the XXXX has a legal duty to take reasonable steps to ensure that the information contained in my credit report is accurate and fair. The inclusion of this unwarranted charge in my credit report constitutes a violation of my rights under the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Furthermore, the FCRA also gives me as a consumer the right to dispute any inaccurate information contained in my credit report, 15 U.S.C. 1681i, and to request that the information be corrected or deleted. I have exercised this right by demanding that this charge be removed from my credit report, however the agency has refused to do so. 

In light of these facts, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that my rights under the FCRA are protected. I request that the CFPB takes steps to hold the agency accountable for their failure to comply with the FCRA, and that the unwarranted charge be removed from my credit report. 

I would like to thank you in advance for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Email : XXXX Regenerate response

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 2023-01-28 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: KY

Complaint narrative:
I received my reinvestigation back from Transunion. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). I attached my consumer report as evidence.

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 2023-01-28 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: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
False information about account such as balance Closed account closed by company Inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My credit is to low due to some unpaid accounts when I have not opened any credit cards at all and I noticed this because I've been trying to apply for credit cards for first time and all have not approved me at all due to those accounts opened with my credit and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: OK

Complaint narrative:
XX/XX/XXXX th XXXX  I dialed a XXXX number found on XXXX to try to get a hold of XXXX XXXX XXXX I was having trouble becoming the Administrator. The number I called indicated I had to buy these gift cards and on the back of the card, they would use the number and bypass the settings to get to be the Administrator. I believed them. Therefore, I bought a {$500.00} XXXX gift card and a {$70.00} XXXX XXXX per their instructions. At the same time, I was trying to reach my son to help me figure it out. That's when I realized, the people I had thought were helping me had taken the value of the gift cards and used them. I called Chase cards to tell them about the encounter and to get help but all they told me was bc I had bought the gift cards they couldn't help and I was responsible for the amount. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First of all let me just state that the card/account I have with Bank of America is through XXXX. I am currently unemployed and the money I had on my card was for my upcoming rent. I had went to this banks atm on the XX/XX/XXXX to take out cash which was {$200.00} for my phone bill. I did not go the following day at all which shows on my bank statement {$800.00} dollars were taken on XX/XX/XXXX. I noticed the amount taken probably 2 days later. I called Bank of America and filed a claim right away. I was told if they were to find out who took any money if I would like to press charges and I agreed to do so. They advised they were going to look into the matter and I would hear back from them within 7-10 business days. I was sent a new card within XXXX business days. I finally received a response in regards to my claim on XX/XX/XXXX. It mentions that the claim was resolved and they show multiple factors that I or someone I gave permission took the money out of the account. I called the number on the paper I received within minutes from receiving the letter to speak to someone and I asked why they are assuming I or someone I know took the money. The lady stated it was based off of the location of the bank. That is definitely not a good enough reason in my opinion. She asked if I would like to resubmit the claim so they can look it over again and I agreed to do so. I am also waiting to receive the documents that were based on their decision. I feel they didnt look into this enough, they should have video surveillance and/or time stamps etc. This is fraudulent and wrong. This money is my only source of income at the moment. I really can not afford to lose this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Since XX/XX/2022, my Equifax credit report is null, plus I get various errors as soon as I sign on, in a blue box, like : Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have called Equifax and exchanged emails with XXXX, many times for over XXXX XXXX They give me various escalation cases, yet never solve their website issues. This applies to both XXXX and XXXX XXXX browsers. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent to technical dept XX/XX/XXXX : ticket number is XXXX, from XX/XX/XXXX email. ref : XXXX : ref XX/XX/XXXX : New ticket : XXXX XX/XX/XXXX : Escalated AGAIN - case XXXX Report is currently null with garbage dates. 

Example : " Report date '' says Invalid date " Length of credit history '' says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all left blank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
a credit card not paid almost 5 years ago, now part of my salary was garnishment. I can't pay that amount. I am a single mother, my job is to support my children

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: SC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: RI

Complaint narrative:
Started the process of coming out of forbearance due to XXXX  in XX/XX/XXXX then our mortgage was sold to Freedom Mortgage. Freedom mortgage said they would continue where our previous mortgage left off with forbearance. They said they were sending paperwork for loan modifications. Never did. Then finally in late XXXX  almost XXXX  they asked for documents. We faxed all the documents in to them. We even talked to a representative to make sure we sent the correct paperwork. Then months later we received a notice they didn't receive everything. This was the beginning of lies. So we again sent them. This time they suggested we emailed. So we spent hours scanning and then emailed them. We waited. Months went by and nothing. Said they were reviewing. Then come to find out they said we were missing documents. Another lie. Then they said they weren't current enough. Another way to procrastinate this process. Meanwhile rates are sky rocketing. How convenient. Frustrated again we call them and ask to speak to someone higher up. They told me exactly what I needed to send. I got everything I needed. We scanned for hours yet again and before I emailed them I emailed the previous freedom mortgage employee I had talked to to make sure they were all correct. She refused to email me back. So I sent them! This was now in XXXX of XXXX. Nearly a year later playing this game with them. We then get a letter saying " paperwork incomplete ''. I was furious!! I called and they said it was in underwriting. I then get another notice saying it was complete. Go figure ... after I filed a XXXX  in XXXX. XXXX comes and we receive a packet of paperwork that needs to be notarized. We get a call from a company that was hired by Freedom to notarize our paperwork. We make an appointment. We ask the notary about the dates and she says " oh don't worry about that they know it's coming and appointments have been tough ''. I almost feel like a huge weight is lifted. That was short lived when I received a letter two days later saying we will be rejected because they didn't get it in exactly XXXX  calendar days. I was yet again, furious and devastated. Called Freedom and was told " oh I always tell people to get their own notary '' I was just in awe and shocked. I almost fell apart. Why offer us a notary?? To hope we get rejected? Now we are told we will most likely be rejected and need to start the ENTIRE PROCESS AGAIN!! It has been XXXX  months of pure XXXX and has effected our mental health greatly. This business is unethical and will do whatever they can to steal from you. I have read reviews and this is happening to hundreds and maybe thousands of people. Please 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 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I always check my account before purchasing anything. I notices a lot that the money in my account fluctuates a lot causing me to have overdraft fees.

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 2023-01-28 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: SC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: IL

Complaint narrative:
Several attempts have been made to remove non-mailable addresses off my credit report with Experian. Last spoke with an representative XX/XX/XXXX. The only address to remain is my current address. The representative again stated that we can not remove due to an account connected to that address. I no longer live at that address, can not receive mail ; also the account referred to is an old account from XXXX but reappeared in XXXX. 

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information. Inaccurate information must be removed asap ; these are non-mailable addresses.

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 2023-01-28 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: AZ

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, 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 2023-01-28 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 XXXX Account # XXXX, 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 a account without my written instructions.

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

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 2023-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Filed an application on the line. Contacted the main number at XXXX ( XXXX ) XXXX spoke with a XXXX around XXXX she called me back in about 10-15 minutes to let me know I was approved for XXXX instead of the XXXX that I originally requested. She said they closed at XXXX but if I can get all my documents in before XXXX that she would call me back and get my direct deposit information. I called back at XXXX to make sure everything went in, XXXX answered the call and said no they couldnt get anything reviewed and get funds to me till Monday. Then placed me on a hold, she came back to say XXXX told me to wait til Monday. I told her once again thats not what I was originally told and if she would have said this from the start I would not have rushed home to get all the paperwork she needed in before XXXX. She placed me on a hold again then the Manager XXXX answered and said my application is now denied and I would get a letter in the mail for the reason. When I asked why they denied she said it was based off the documents I sent in less than 5 minutes ago. Im the middle of my sentence of asking for clarification XXXX disconnected my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have credit card with a few cards, but discover does the most harassment. discover calls me several times an hour. I have blocked over 20 numbers, and continue to get endless spam from their debt collecting numbers. I dont even know whos calling at this point, but I get several voicemails a day. Discover voicemails claiming its not a solicitation call, or claiming they want to offer me some new promotion, to get me to call them back and end up paying it back.

Company response to consumer: Closed with non-monetary relief