vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the incorrect spelling of my name to Equifax Numerous of times. Began reporting it XXXX all the way up until today XX/XX/XXXX I have sent in several documents, I have uploaded my name correctly various times with a copy of my Social and Drivers License. Today I contacted Equifax Via Telephone Support Who again Requested that I send my Full Amount of Legal Information Via Mail. Stating That I should Send a Copy of my Drivers License front and back, a copy of my Social and include a Letter showing all verification of My information. After speaking with One Representative and XXXX Supervisors who continuously stated that they arent allowed to see the uploaded documents that are on Equifax. I asked for information to be able to file a complaint and the Supervisor XXXX stated I am unable to make a complaint unless I am fully verified which I can not be verified unless I send them All of my information and documents. I stated to them I have uploaded this onto the my.equifax.com site several times and They have denied the request on many of occasions and took my real name out and made it a formerly known as name, which is absolutely incorrect. They stopped assisting me stated since they dont know who I am They cant Assist me even after the initial verification I gave the first Representative and Supervisor. 
I will be uploading proof on this site, but i will mark out my sensitive information because I am unsure if this site shows sensitive information. On the Equifax site the information is not marked out, and has been uploaded In its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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:
Account XXXX XXXX XXXX XXXX was reporting inaccurate information on a late payment for my auto loan account on XX/XX/. I disputed the late payment and my whole account and history with XXXX XXXX XXXX XXXX was deleted instead of just the late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: MO

Complaint narrative:
My Investigation was completely ignored, accounts DONT belong on my report. Unresolved 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2023-05-05 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
U.S. Bank My business master card was used to make unauthorized purchases. when I disputed the actions I made the request for validation of debts that were not familiar to me. we have made many notices with regard to these debts. at XXXX time we received a statement showing it was cleared we received credit validation. but XXXX months later they come back with the same problem. again we request debt validation and a copy of the charges to this account with a wet signature. To date all we receive in monthly statements which does not validate the debt being ours. we also requested a copy of our payment history. to date, we have not received any requested documents. the last packet we received only contained the statements which did not give us information to contact the creditor they paid. we informed them in writing what was needed. but we only get statements. on XXXX the withdrawal from my checking account was completed in the amount of XXXX or more without my consent. I was not notified of these actions before it was done. I received a written notice from XXXX XXXX  XXXX that it was done. this has caused me serious hardship in meeting my monthly obligations. I did notify the bank and was told they could do this. create a hardship without notifications before it is done. because of this my housing is in jeopardy i will not be able to cover my utilities and my medication can not be purchased,

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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IA

Complaint narrative:
Hello CFPB and US Bank, i have over 12 fraudulent ATM transactions and i ; ve tried calling to file a FRAUD claim on these and every time i have, the reps on the phone have no idea how to do it or they keep thinking i want to file a dispute which isnt the case, these are fraudulent transactions totaling over {$1900.00}. 

They mailed me a new card which im still waiting on but im not sure if a fraud claim has been filed properly for these transactions so im filing a CFPB claim in hopes of getting my money back and getting a claim filed the correct way. 

My debit card was cloned and used without my authorization at the ATM, leaving my account empty. The ATM deposits are verified but all the withdrawals are not me The first atm withdrawal started on XXXX the last withdrawal was on XXXX Please help me recover my funds.

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 2023-05-05 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: NY

Complaint narrative:
Hi I recently checked my credit report and realized that the following account from XXXX  XXXX XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Kohls department store credit card has been calling me by phone several times a day about an account that has been closed and past due for the last 6 months. They call, text and send emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 hasIn violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # ORIGINAL CRED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


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 2023-05-05 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:
In accordance with the Fair Credit Reporting act. The List of accounts below hasIn violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # ORIGINAL CRED : XXXX  XXXX XXXX  - # XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I tried o pull out money from my XXXX XXXX card and I only had XXXX $ on it I checked my last transactions and it showed me XXXX different transactions In XXXX  California I live in XXXX California I never been to XXXX  in total it was XXXX $ and as of XX/XX/23 the bank sent me an email saying they will not return my money I lost my job because of this do to my car needing to be repaired and I'm on the verge of being evicted I'm at a loss of what to do can u plz help me iam a single mother of XXXX and I need help to get my money back thank u.. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: PREFERRED CREDIT INC
State: NM

Complaint narrative:
I disputed the account for Preferred this on XXXX website, the XXXX website and thru XXXX  website. I also made a complaint thru the FTC regarding this as well. I tried calling the company, but got no where. They said that the person had submitted a copy of my license to finance this. I'm not sure if this was a fake license or what. Which has happened years ago where someone made a fake license to cash a fraud check against my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( JPMCB Card Account # XXXX ), has violated several of my rights. 



15 U.S.C 1681 section 602 A Clearly 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 instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: OH

Complaint narrative:
After examining my Consumer Reports, I came across late payments recorded on an account for which I have always made timely payments. As Consumer Reporting Agencies play a critical role in reporting consumer information, it is their responsibility to do so with the highest level of accuracy.

I want to emphasize that I have never been late with any payments for the account in question XXXX XXXX XXXX therefore, request that an investigation be carried out to provide evidence of these late payments. In the event that such evidence can not be provided, I demand that the late payments be corrected to show that they were made on time, as they were. 

Thank you for your prompt attention to this matter.

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 2023-05-05 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: OH

Complaint narrative:
After examining my Consumer Reports, I came across late payments recorded on an account for which I have always made timely payments. As Consumer Reporting Agencies play a critical role in reporting consumer information, it is their responsibility to do so with the highest level of accuracy. 

I want to emphasize that I have never been late with any payments for the account in question XXXX XXXX XXXX therefore, request that an investigation be carried out to provide evidence of these late payments. In the event that such evidence can not be provided, I demand that the late payments be corrected to show that they were made on time, as they were. 

Thank you for your prompt attention to this matter.

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 2023-05-05 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: OH

Complaint narrative:
After examining my Consumer Reports, I came across late payments recorded on an account for which I have always made timely payments. As Consumer Reporting Agencies play a critical role in reporting consumer information, it is their responsibility to do so with the highest level of accuracy. 

I want to emphasize that I have never been late with any payments for the account in question XXXX XXXX XXXX therefore, request that an investigation be carried out to provide evidence of these late payments. In the event that such evidence can not be provided, I demand that the late payments be corrected to show that they were made on time, as they were. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Amount XXXXXXXX XXXX from XXXX XXXX its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Amount XXXXXXXX XXXX from XXXX XXXX its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: AR

Complaint narrative:
I received a letter saying a debt was trying to be collected reference number XXXX from XXXX. I never received any notice. This was due I paid the last bill. It was set up on auto draft. Therefore the last bill shouldve drafted out of my account. I never stopped the draft. This is sent in error. Please send correspondence letting me know that has been wiped out as this that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
My mortgage lender is Fifth Third Bank ( 53.com ). Please see the email below, which I sent to the banks executive team this afternoon. It contains all pertinent details regarding my complaint. 


Good afternoon, All, I am writing to express my complete and utter frustration with your loss mitigation practices. To be frank, I feel as though your team did not honor the hardship agreement that was finalized in XX/XX/2023. Consequently, I have every intention of filing an official complaint with the Consumer Financial Protection Bureau. 

I was contacted by a member of your loss mitigation department today because your records indicated my mortgage was in default. However, I had entered into a three-month forbearance agreement with 53 in XX/XX/2023. As I understood it, the payments due for the months of XXXX, XXXX, and XX/XX/2023 would be divided and added to my next six payments. I was fully prepared to honor this agreement. 

Unfortunately, your representative informed me that a repayment plan was never created by your team, and now he had to review my financials again to see if I qualified. Even though I have secured a new, six-figure job starting XX/XX/2023, I was told I did not qualify for the repayment plan due to my total household expenses. Therefore, I either had to remit full payment to reinstate the loan OR pursue other options such as short sale. 

I remitted the full $ XXXX today under duress. While I am thankful to have been in a position to do so, I can not help but wonder how many of your other customers have experienced similar issues. Would I have lost my home had I not drained my savings account to remit the payment? Not only is failing to honor the repayment plan unethical, I believe it borders on predatory lending practices for which I will ask the CFPB to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CBC Companies, Inc.
State: NV

Complaint narrative:
I want to file this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as 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 has 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 response to consumer: Closed with explanation