vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 


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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
I have asked for sign documents showing that I agree for them to do a service for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My identity was stolen. Now I have multiple accounts on my credit report that keep my score down I have reached out multiple times to have the issue resolved and the 3 credit bureaus have a hard time correcting/ fixing this issue. This is unethical as I have filed a police report and followed all protocols to try to resolve the issue. However, the credit bureaus choose not to clear this matter up. 

Listed below are the following accounts : 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 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a wire deposit on XXXX XXXX into my Chase business account.On XXXX XXXX chase froze my funds and when i tried to log into my account it was closed.I have spent numerous hours on phone and traveling back and forth to local branch.Chase says they need to verify funds and speak to sender.I have given them all phone numbers to company and chase claims they can not verify numbers in there system to reach out to sender so i am stuck still waiting on my funds and have no solutions.I have submitted all documentation to chase bank.My business XXXX along with wire confirmation from sender along with my finance contract showing my legal name the business legal name with my social and tax payer id on all paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I was issued a refund check back in XX/XX/XXXX for a vehicle accident that took place, after being put at fault for this accident that I did not cause I was told that I was to schedule receive a refund check for a reimbursement to get another vehicle. The check was delivered in XX/XX/XXXX to my previous address, this check was then stolen and my name was fraudulently forged and misspelled on the back and this check that was cashed in XX/XX/XXXX at a XXXX XXXX atm machine, the next day it shows that the funds were approved and released. Who verified the names match the account and released the money before further investigating After filing several complaints, and police reports, and speaking with multiple individuals to get this rectified, I finally received a fraud statement claimant on XX/XX/XXXX I was told this would take approximately 90 business days before this was settled. 

Today 's date is XX/XX/XXXX, the 90 business day period has now passed, and every time I reach out for an update I am still being told that this is still in " progress '' status. Nobody can tell me anything else or when I should expect my payment from USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Calls everyday from a different number while I am at work. No message Portfolio Recovery Associates ... see there are many complaints against them. I owe not debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: TX

Complaint narrative:
I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The credit bureaus are allowing hard inquiries and hard hits affect my credit score whereas it was at a fair credit score and now at its lowest ever. Before the end of XXXX XXXX XX/XX/2023, my credit score was at XXXX with XXXX, Equifax and slightly low in XXXX XXXX XXXX. Hard inquiries from unknown sources started to hit and attack my credit score and now it's as low as XXXX. I cancelled my credit repair online subscriptions because the money that I was shelling out didn't make any difference. I went through the process of contacting by writing a letter and disputing accounts that were saying inaccurate information. After spending over {$50.00} in both credit monitoring and credit repair companies online that guarantees that results will be reflected after thirty days, now my credit score is as low as it have ever been. I see dealerships that I don't recognize and other companies that have used my social security to affect my credit score and drop it down more than XXXX pts. I even took an unsecured credit card to boost it but while seeking solutions to help increase it is decreasing what little effort that I am trying to do. So what's the use of acting in good faith and follow the steps of improving ones ' credit score but these type of unexplained actions are occurring impacting your credit by more than XXXX points over night. How is that done?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The credit bureaus are allowing hard inquiries and hard hits affect my credit score whereas it was at a fair credit score and now at its lowest ever. Before the end of XXXX XXXX XX/XX/2023, my credit score was at XXXX with Experian, XXXX and slightly low in XXXX XXXX XXXX. Hard inquiries from unknown sources started to hit and attack my credit score and now it's as low as XXXX. I cancelled my credit repair online subscriptions because the money that I was shelling out didn't make any difference. I went through the process of contacting by writing a letter and disputing accounts that were saying inaccurate information. After spending over {$50.00} in both credit monitoring and credit repair companies online that guarantees that results will be reflected after thirty days, now my credit score is as low as it have ever been. I see dealerships that I don't recognize and other companies that have used my social security to affect my credit score and drop it down more than XXXX pts. I even took an unsecured credit card to boost it but while seeking solutions to help increase it is decreasing what little effort that I am trying to do. So what's the use of acting in good faith and follow the steps of improving ones ' credit score but these type of unexplained actions are occurring impacting your credit by more than XXXX points over night. How is that done?

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 2023-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was informed that I owed {$19.00}, XXXX  on a XXXX XXXX XXXX capital one credit card ( XXXX ) of which I did not apply for. Obviously, someone fraudulently was able to use some of my information to open the account. When I told capital one that I don't have a card ending in XXXX they did an investigation and concluded that the card belongs to me. I challenged their conclusion and they have re-initiated another investigation. I have filed a police report ( XXXX XXXX XXXX, case # : XXXX ), put a freeze on my credit and filed a fraud report with Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX both XXXX and Transunion dropped my score by XXXX points. My utilization is around 25 %, it is usually lower, but we booked a trip to XXXX. Normally around 22 %. All my bills were paid on time, except one late payment because we were in XXXX for a small amount. It was promptly paid on our return. I feel their action on a XXXX point drop was excessive. I always had good credit, never defaulted on anything and paid my bills on time. In all the years my history shows on time and in good standing. I would like them to explain to me their reasoning. 

Thanks, 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 2023-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: NM

Complaint narrative:
Reliant Capital has called my family members in search of me. I was contacted by my brother today at XXXX XXXX  about them calling him. I have attempted contact and have not heard back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
During Covid 19, Wells Fargo offered a program to defer payments. We took advantage of the deferral with the agreement that all missed payments would be added as additional months on the end of the contract. Mortgage maturity was XX/XX/XXXX. Numerous conversations verified this arrangement. As we approached the end of XXXX, Wells Fargo demanded a balloon payment of ~ {$13000.00} to satisfy the deferred payments. This resulted in a major financial hardship as it was not in the form of monthly payments ( 5 deferred payments of {$2700.00} ) as described. Numerous phone calls and escalations ensued with no resolution. We were told we would go into default and potential foreclosure. Mortgage has since been paid in full using our savings and XXXX XXXX card. Mortgage was always current and never in arrears. In the end, a certified letter was sent to us expressing the details of payment due and to make the impression of what was Wells Fargo 's position. We did demand record of all communications both written and recorded, but Wells Fargo refused. Recorded phone conversations from Covid to present will verify/substantiate our complaint.

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 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX of 2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-04-06 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: MI

Complaint narrative:
On XX/XX/XXXX of 2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMCB AUTO  made an unauthorized enquiry on my credit profile on XX/XX/, i have made several efforts to have this removed but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}

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 2023-04-06 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: DISCOVER BANK
State: FL

Complaint narrative:
I was charge twice for the same item from a merchant which two bank card was charge on the same day for the same amount for the same merchant.. The correct charge was place on my XXXX XXXX XXXX ending in XXXX in which I authorize and approve The charge on my Discover card in which I was told by the merchant that it was denied by the bank.. In which i needed to pay on a different card in which I use my XXXX debit card which is link to my checking account On XX/XX/2023 i open a dispute with Discover Card in which the case number is XXXX and XXXX I told them i needed to open a dispute because I pay by other means in which the charge on my Discover was invalid because the merchant said it was decline. I was told to send in documents showing that i paid with a different payment method.. Discover open my dispute in which they issue me a temporary credit for both charges On XX/XX/XXXX merchant contact me by text message to inform me that they will be issue me a refund back to my Discover Card ending XXXX for both charges. In which they sent me proof of the refund in which on the same day I called Discover in which I told them I was getting a refund and that I should close the case.. In which I close the case on XX/XX/XXXX 9 days went my ad I didn't receive the agree refund in which I contact the merchant on XX/XX/2023 by text message and was told that they process my refund and their nothing they can do for me.. 

I contact Discover on XX/XX/2023 in which I explain to them that I never received the refund as agree in which the agent inform that I need to upload documents showing the merchant agree to give me a refund in which I upload.. 

I was told XX/XX/2023 that a agent contact the merchant in which they say they didn't agree to give me a refund in which is incorrect because I have info they sent to me showing i was getting a refund and I was denied of getting the credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TX

Complaint narrative:
This complaint is for EXPERIAN Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2023-04-06 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: SC

Complaint narrative:
XXXX - Equifax is not scoring my credit report correctly. My consumer credit report was XXXX last month. This month it is XXXX. I make all my payments on time, I am never late. My utilization is below 6 percent ever month.The balances on my accounts are not too high compared to loan limits. None of my accounts have a severe delinquency or a derogatory status. I have no unpaid collection agency accounts. I have attached a copy of my consumer credit report. This inaccurate credit score is hurting me and my family from purchasing from creditors. Please inform Equifax that the XXXX XXXX  XXXX is at fault and the law requires all credit reporting companies to report accurately. I will continue to report complaints to the C.F.P.B if this continues!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i contact XXXX XXXX XXXX, Experian by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 XXXX  A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my trans union did not removed yet, Experian needs to remove the Public record please im asking CFPB for help again 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