vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
A creditor XXXX XXXX XXXX  erroneously reported a false account under my name to XXXX XXXX XXXX who reported me to all the three credit agencies resulting in a negative remark on my report. I have never used the XXXX XXXX XXXX  and I was never notified by the above mentioned collection agency. I called XXXX XXXX who admitted the error and XXXX XXXX was willing to credit back and close the account but XXXX XXXX  was unable to do so because the account was already in collection. I reached out to XXXX XXXX XXXX who have never notified me about their actions and they have already sent my case to Maury Cobb Attorney at Law office. I disputed the account with all the three credit agencies and with XXXX and the attorney office. XXXX and XXXX completed the investigation and concluded the account was reported in error and deleted it from my report but unfortunately XXXX did not perform accurate investigation and continues to have this account in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
A creditor XXXX XXXX XXXX  erroneously reported a false account under my name to AMSHER Collection Agency who reported me to all the XXXX credit agencies resulting in a negative remark on my report. I have never used the XXXX XXXX XXXX  and I was never notified by the above mentioned collection agency. I called XXXX XXXX who admitted the error and XXXX XXXX was willing to credit back and close the account but XXXX XXXX was unable to do so because the account was already in collection. I reached out to AMSHER collection agency who have never notified me about their actions and they have already sent my case to XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the account with all the three credit agencies and with AMSHER and the attorney office. XXXX and XXXX completed the investigation and concluded the account was reported in error and deleted it from my report but unfortunately XXXX did not perform accurate investigation and continues to have this account in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have charge of {$600.00} on my card on XX/XX/2022 that I never made and it was made before I received the card. Company has policy to remove and investigate and remove the charge immediately - its still there and I get transferred from one person to another on the phone. Just received request to pay this balance in 5 days even though it is not my charge.

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 2022-12-15 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: CA

Complaint narrative:
In XXXX of this year I shopped for my XXXX XXXX XXXX XXXX XXXX XXXX Saks 5thh Avenue. Since the merchandise was low in the store, the sales person suggested opening up a credit card through Saks which is Capital One.. I was given a large credit line as my XXXX XXXX is excellent. I purchased XXXX dress, alternations for it, shoes, purse and a purse from Saks off 5th- I returned everything else. For several months I did not receive any statements and was alerted that I was late on payment - my assumption was all the credits offset charges. I spoke live with my XXXX contact who said they were having problems with many not receiving their statements. He waived late fees. The statements continued to come to me and I noticed the amount owed exceeded my purchases. I requested they provide me a description of any charged/purchased item I did not return. They were unable to do so!! They have set up a horrible accounting situation with Saks. No itemization and could not provide me ANY proof. They suggested I go to the store which does not have any billing employees!! I then was connected with fraud who promised me they would resolved this. Please note I have XXXX  ( Icon membr ) as well as Platinum XXXX- they can ALWAYS provide me proof of charge, items, etc.and will do the research if necessary. I have continued to pay in excess of what I purchased to keep my XXXX XXXX good. {$2300.00} The last convo with them they now say it's beyond 60 days and they can not help any more. They are holding me XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I attempted to contact the following companies in regard to Identity theft & fraud with the following accounts : XXXXCIMA DIGITAL FKA SIMP - Opened XX/XX/XXXX ..... Updated XX/XX/XXXX ... {$3700.00} XXXX XXXX XXXX Opened XX/XX/XXXX ..... Updated XX/XX/XXXX. {$4200.00} XXXX XXXX XXXX Opened XX/XX/XXXX ... ... updated XX/XX/XXXX, {$1900.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ... updated XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX Opened XX/XX/XXXX... Updated XX/XX/XXXX, {$4400.00} XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XX/XX/XXXX, {$480.00} XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX... Updated XX/XX/XXXX, {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I filed my Public Loan Forgiveness Program ( PFLP ) documentation on-time and to the correct authorities. And yet, despite having earned forgiveness, the government spends my tax dollars on XXXX and Mohela, who combined to screw up my paperwork as detailed in an email to me from the US Dept of Education on XXXX XX/XX/2022 : " Due to a vendor error, you recently received an email with a subject line indicating your application for the one-time Student Loan Debt Relief Plan had been approved. The subject line was inaccurate. The body of the previous email was accurate. 

We have received your application but are not permitted to review your eligibility because of ongoing litigation. We will keep your application information and review your eligibility if and when we prevail in court. 

We apologize for the confusion, and you do not need to take any further action at this time. We will keep you updated with any developments. '' How is it possible that despite all the time and resources available, my paperwork and correspondence can be so poorly handled? To what kind of justice can these delinquent organizations and their leaders be held? Where are the investigations into this massive malpractice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX debt to collections when it was paid in full by my insurance company for a short XXXX XXXX on XX/XX/XXXX for an amount of {$1700.00}. I have proof from my insurance company that they paid it in full and it shows simply in a breakdown that it was completely covered. 

XXXX XXXX XXXX XXXX false delinquent debt to First Financial Resources , Inc based out of XXXX, MA on XX/XX/XXXX. They contacted me several times and I finally got them to send me an email to send them proof that this debt was paid in full by my insurance back in XXXX of XXXX. They claimed that the insurance payment was invalid as " XXXX XXXX XXXX not have any contract with my insurance company at the time. '' They then reported my debt as " collections charged off '' on my credit even though they had no legal standing to do so. A collections charged off is a major negative remark and I want it removed and my credit restored properly. 

This charge off occurred on XX/XX/XXXX, 3 months after I provided them with proof of payment in full and on time from my insurance provider.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi I got XXXX XX/XX/XXXX, I had my XXXX XXXX in a hotel room where all my belongings were got stolen. When I was XXXX  from XXXX  XX/XX/XXXX I decided to order a new card for myself so I could possibly access my funds, I was able to log on to my online banking and seen that over {$16000.00} was taken from my XXXX I call B Of A and I filed a claim over a month ago and I haven't heard anything back from them. I really need help getting the money that was stolen from me. I have documents that prove I was XXXX  if needed.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting capital one acct # XXXX has violated my rights 15 usc 1682 section 602 A states I have the right to privacy 15 usc1681 section 604A section 2 states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/22 my account was used fraudulently and was charged {$500.00}. After XXXX disputes with Paypal Credit/Synchrony , they found the dispute in my favor. My account was closed and issued a new one. The new account was hit with a balance transfer of {$500.00} and then charged again {$500.00}. I've contacted Paypal credit a number of times to resolve the issue and after spending endless hours on the phone, I can not get a satisfactory answer of why I'm still seeing these amounts on my statement and they require payment. I've tried asking to escalate the issue to no avail.

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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OK

Complaint narrative:
The apartment complex I live in at the Time was burglarized the police came to the apartment complex and arrested the individual. The apartment complex has a copy of the police report. The maintenance man told the manager he saw me leave. The apartment complex illegally added this debt to my credit report

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 2022-12-15 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: GA

Complaint narrative:
XXXX XXXX XXXX : Acct # XXXX XXXX  : Account # XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Have 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 2022-12-15 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: GA

Complaint narrative:
XXXX XXXX XXXX : Acct # XXXX XXXX  : Account # XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX Have 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 2022-12-15 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: FL

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I applied for a land loan with America First Credit Union and submitted all the requested documentation. Upon review of the documentation, they sent me a term sheet/loan estimate and notified me that the loan was approved contingent upon an appraisal that placed the XXXX at XXXX  % or less. In order to proceed to closing, they required me to pay a {$1000.00} non-refundable fee that accounted for the cost of the appraisal as well as some origination fees. The appraisal was received with a value that exceeded the expected market value and placed the XXXX at XXXX %. During the week of closing, America First emailed me explaining that they would require an additional guarantor or they would not close on the loan. Additionally, they stated they would change the loan terms based on the income of the additional guarantor. I did not send them nor did they request any additional financial information after the loan estimate was signed and the appraisal was completed and paid. There has been no change in financial circumstance that would warrant a change in the loan estimate after the {$1000.00} fee is paid. 

I have all of the communication from above in emails that I am able to forward over to you, if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: I.C. System, Inc.
State: NJ

Complaint narrative:
Remove all items over 180 days as per law

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 2022-12-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX, my mother was issued an XXXX XXXX via Money Network XXXX XXXX ) for the third economic stimulus payment of {$1400.00}. She had no previous financial relationship with XXXX  XXXX  or XXXX. 

She had XXXX XXXX on XX/XX/XXXX, she could not activate the card, and as I was not the cardholder I was not authorized to activate the card, so no one did. 

As my mother 's heir-at-law, I filed a XXXX tax return for her, but IRS would not issue me the refund, saying the funds had been previously distributed to XXXX. 

On XX/XX/XXXX, XXXX acknowledged receiving my request to have the funds returned to the US Treasury, and requested various documents like the death certificate and ID. I sent these on XX/XX/XXXX, following up with a phone call on XX/XX/XXXX, where the representative said that he was putting in another request to have the IRS sweep the funds, but that he could not tell me when it would happen. 

On XX/XX/XXXX I received a reply letter from IRS saying the funds were still at XXXX. I contacted XXXX again and neither the representative nor the supervisor I spoke with would give me a timeframe for when the funds would be returned to the US Treasury. 

XXXX was also unwilling to send me any written confirmation of the receipt of my request to have the {$1400.00} returned to IRS or that my request was in process.

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 2022-12-15 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: NY

Complaint narrative:
15 USC 1681 section 602 section, states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been a victim of a data breech. Also had my wallet stolen. I have reported this to the credit bureaus, the gave me information stated a company called XXXX XXXX and LCI were the furnishes of the information. 

I then asked them how was this reporter I have never received any information from none of these companies, XXXX responded saying the have no record, but when I pull info inaccurate information is there. Public Records, Credit Cards I do not have.

This is a clear violation of my consumer rights. To add more I just received a letter from another consumer breech. I have attached this to my record. Please remove all public records, credit cards, and other info as none of this is accurate and has never been verified.

15USC 1681s 2 ( A ) 1 ( A ) states information cant be related to any consumer that is inaccurate can not be reported.

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