vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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:
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.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third-party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it 23 was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

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 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OK

Complaint narrative:
On or around XX/XX/XXXX I received a written notice dated ( XXXX ) for a payment offer from Jefferson Capital Systems LLC. This would be the FIRST and ONLY notice I have received from them regarding a XXXX account in the amount of {$970.00} that is clearly passed the STATUTE OF LIMITATIONS in order for them to pursue. *Legally*. They even said it in their letter. This collection company demanded that I pay them & that the deadline was XX/XX/XXXX though I am not in debt to them. There was no right to dispute attached ( VIOLATION ). I am upset because I responded via USPS certified mail on XXXX. In that response, I requested that they cease all collection activity regarding the account because it is stale. Today is Tuesday XX/XX/XXXX and they slapped a collection on my credit report TODAY without acknowledging that I have replied to their letter. It hasnt even been 30 days. Thats shady business. The report on credit karma says XXXX XXXX, XXXX but I just checked my annual credit on Sunday XX/XX/XXXXXXXX  and this account was not there. 

Additional information XXXX XXXX XXXX XXXX, XXXX, MN XXXX Jefferson Capital Systems , LLC XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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:
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.

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 2024-02-20 00:00:00
Product: Credit reporting 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. In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX. In accordance with the written instructions of the consumer to whom it relates. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/XXXX  I deposited two checks. Both checks were held because they said the signature on my check was irregular. I might believe that with one check but not with two. I called the bank and asked for help and they refused to release any funds even though I had proof that both checks had cleared the banks they came from. Wells Fargo has once again proven that they believe they can do whatever they want with no recourse. Holding funds for 10 days is not fair to the consumer.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I always pay on time and never missed a 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 non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I always pay on time and never missed a 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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OH

Complaint narrative:
I have requested a legal name change and they are refusing to abide by the court order submitted to update the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The bank sent 10 page letter discussing changes that will be made to account. It is full of acronyms and XXXX. I asked rep to simplify the letter but they were unaware of what I was talking about. Shouldnt banks communicate in simple terms and be brief? Ten pages is way too much for normal customers to digest!

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 2024-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am divorced and listed my house for sell as as assumable loan in XXXX. My buyers decided to do the assumption and we began this process in XXXX. I was told it would take approx 6 months to close the assumption however we are now entering almost month XXXX and its still open! I call several times for updates or any information and get no answers. Im told the assumptions dept doesnt have a phone number to call but does have email yet they dont respond to them. 

They offer callbacks from that dept and I never get a call. The title company has even tried to reach out and can not get any information. They send mail that never comes and just keep requesting it be remailed. They can never tell me what the documents are! This is beyond frustrating!

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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank has indicated that I have charged off checking account from 2023. This was not opened by me and is fraud. I have submitted a FTC identity theft pertaining to this ID theft and have attached it to this 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 non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase 's contracted insurance company, XXXX, has repeatedly asked for the same documents over and over, despite being sent multiple times including immediately after the trip cancellation due to covered causes ( a member of the trip party falling ill, with a documented covered condition as proven by the doctor 's note ). 

XXXX continuously asks for proof of future credits when proof has already been provided that there are no future credits, as the reservations were not cancelable. Now it has been several months with no response from XXXX after providing all of the documents multiple times. 

Chase advertises this coverage as one of the perks of their credit card, but the coverage is never actually provided. This is misleading and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I tried to cancel a duplicate payment. Agent said it was done. Did not mention the payment would still be attempted three more times. Caused my checking account to go negative and be closed. I asked Amex four times to investigate and they have not and told me to call back to see results but nothing was ever filed. Four attempts to get this corrected and reimburse for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc.
State: NY

Complaint narrative:
We had an XX/XX/20 mortgage on a home bought in XXXX the mortgages were sold repeatedly. We stopped hearing from the owners of the 20 % mortgage over 10 years ago but have remained current on the 80 % mortgage. We recently received Intent to Foreclose documents from the new owners of the zombie 20 % mortgage that we have not heard from in over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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:
Re : CLAIM FOR OUT OF POCKET LOSSSES, TIME SPENT & DELETE FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT My consumer report and personal information was SEVERELY DAMAGE CAUSED BY DATA SECURITY BREACH OF EQUIFAX. 
SETTLEMENT AND JUDGEMENT XXXX  DOCKET No. XXXX XXXX TIME SPENT : 20 HOURS ( {$25.00} per hour ) = {$500.00} OUT OF POCKET LOSSES : {$15000.00} see report attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/XXXX, I made an on-line payment to Synchrony Bank for my Amazon Store Card . Instead of applying my {$140.00} payment to the balance on my credit card, they applied it to a spendable ( available balance ) amount, thus leaving my statement balance the same. I feel like Synchrony was doing this so I would use my card and thus be over the limit because it wasn't a " true '' credit available. Why would Synchrony take my payment and not credit it to my purchases? They could not explain why they took my payment and did not credit it to my outstanding balance. The copy will show that my credit limit is {$360.00}, yet my balance is {$340.00} and available credit is {$150.00}. This is because Synchrony took my payment of {$140.00} and credited it to my spendable credit available and not my outstanding balance. Had they allowed me to charge, this would have put me over my limit and they could have charged me additional charges for that. They should have credited my payment to my balance, period.

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 2024-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: ID

Complaint narrative:
I received an initial letter that a debt of {$21.00} had been sent to collections from Mountain Land Collections on XX/XX/XXXX. I was not familiar with this and I asked the company to verify the debt. On XX/XX/XXXX I received a letter from Mountain Land Collections, letting me know the debt was now {$24.00} and it had come from XXXX XXXX XXXX. I have never heard of this company and when I looked them up, I saw that all of their locations and physicians were located in Utah. I do not live in Utah and have never sought medical care of any kind in Utah. Further, the debt was submitted under the name " XXXX XXXX '' but my name was legally changed in XXXX to " XXXX XXXX '' and I do not get services from anyone using the name XXXX anymore. I'm uncertain if this debt is an error or a form of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. 

American Express : XX/XX/XXXX American Express : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Someone tried to get a account with XXXX XXXX not me I've asked several times to make sure Information is before trying to approve & they still allowed .Now my score has drop XXXX XXXX  .I have no knowledge of this inquiry.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent letters explaining to remove information from my credit report due to the account closed for a long time. also my personal information was impacted in the equifax Data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief