vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-discharged Original filing date : XX/XX/2012 Latest status date : XX/XX/2012 ATe Account Info Reference Number Court XXXX XXXX XXXX XXXX XXXX. 

THIS HAS BEEN REMOVED FROM ALL CREDIT REPORTS BESIDES EXPERIAN. 
I HAVE DISPUTED MULITPLY TIMES. PLEASE HELP THANKS.

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Suntrust/Truist locked my account about 5 weeks ago ( XX/XX/2022 ). I have been calling back and forth with suntrust/Truist customer service ( almost everyday until today ) as well as my local branch and spending literal hours on hold to see why my account has been locked and have just been forwarded to the next agent multiple times with little to no answer. I reached out on twitter and they stated that they would call me back only after I threatened legal action. I wanted to close my account and have my money wired to my new banking institution. I was on the phone for over an hour this evening and was told by the representative that there is no record of a check being issued and mailed to me when I was told that after calling two weeks prior. I still have been left in the dark and have no idea where my funds are and why my account is locked

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 2022-03-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear CFPB, I am writing for your help since I was not able to resolve my conflict with Fifth Third Bank over a fraudulent Internet transaction via my credit card used by someone else who stole my information and my identity to make purchases. Case number XXXX On XX/XX/XXXX I reported to Fifth Third Bank a suspicious transaction for {$89.00} purportedly for a Dash camera which was allegedly made on XX/XX/XXXX. For the record, similar dash cameras are sold in stores for around {$20.00}. 

I informed Fifth Third Bank that I did not made this transaction with a very shady Merchant XXXX who does not even have a website with products for sale, only pages with Terms and Conditions and Privacy Policy. 

Fifth Third Dispute Resolution Department ( at large, without the name of individual whom I can contact with my questions ) apparently did not conducted any meaningful investigation into this matter or even looked at XXXX and reversed temporary credit apparently trying to collect from me {$89.00}. 

In support to their decision Fifth Third provided me tracking number for another transaction which I made on XX/XX/XXXX with another company. 

Fifth Third also provided me the name of the Company who purportedly sold me this dashcamera XXXX XXXX XXXX  XXXX located in XXXX NJ. 

According to New Jersey XXXX of XXXX, they do not have any records of XXXX XXXX XXXX XXXXXXXX in their State. 

The only company who has similar name XXXX XXXX is located in California and is manufacturer of precision die-cut components. Obviously, they do not sell dash cameras via XXXX. 

Moreover, the XXXX address XXXX provided to me by Fifth Third Bank as evidence of legitimacy of my transaction belongs to some shady company in XXXX. 

Fifth Third Bank acted negligently by failing to conduct basic investigation and pushing all burden to prove criminal conduct on me as a customer ; and maliciously ( if not enabling ) when they refused to reverse this transaction and credit stolen from me {$89.00} back to my account. 

I demand Fifth Third Bank to credit me {$89.00} and compensate me at least additional {$100.00} as a fee for my investigation of this matter for which Fifth Third Bank employees are getting paid. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
( CAPITAL ONE BANK USA N XXXX XXXX ; CAPITAL ONE BANK USA N XXXX XXXX ; CAPITAL ONE XXXX XXXX ) These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: DC

Complaint narrative:
Equifax has ignored my request to delete in accurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Equifax. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: LEXISNEXIS
State: IL

Complaint narrative:
I have a case of identity theft. I have had this since XXXX. This person ( female ) uses a XXXX  ID, XXXX ID and has a copy of my social security card. This person has taken out many loans, credit cards and purchased cars under my name. This person has taken mail out my box and cashed checks mailed to me. I have a claim with USPS. And IRS sent another check. Its all on my credit report. 

Since XXXX I have been unable to work in a full time status and now I cant work. So, the fraudster is stating a large income to succeed at obtaining these loans and material objects. And its affecting my need for social services o need to live.

My banking was hacked 3 times in 6 months in XXXX. I had to cancel all account and use debit cards I manually turn on/off when using. 

I get countless calls about these fraudulent accounts. I want it to stop. The harassment is causing XXXX XXXXXXXX and more XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: CA

Complaint narrative:
I would like to state that TransUnion is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave TransUnion any written consent to report ANYTHING on my credit report. No consent was given and this is identity theft. I demand that these inaccuracies are removed off of my consumer report. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX I would like to state that pursuant to 15 USC 1681 ( a ) ( 2 ), the banking system is dependent upon fair and accurate consumer reports. By TransUnion allowing these inaccuracies to be illegally furnished on my consumer report, it has caused damages to me as well as caused me to lose confidence within the banking system.

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 2022-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, am a federally protected consumer, natural person, and original creditor of an open-end credit plan was denied my rights by JPMorgan Chase Bank , N.A., doing business as Chase Bank on XX/XX/2022. Due to 15 USC 1602 ( g ) For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Chase Bank was notified by this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by Chase Bank via electronic mail. I was discriminated against and denied my rights based upon my income. THE NEW PAYMENT AMOUNT IS TOO HIGH RELATIVE TO INCOME, which is a false statement since all obligations to pay my open-ended credit off is to be directed to the United states based on 18 USC 8 . According to 15 USC 1602 definitions of The Truth in Lending Act, I, as a natural person possessing an open-end credit plan was harmed by Chase Bank adverse action taken against me, denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). Chase Bank is now civilly liable to pay me for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: LA

Complaint narrative:
I have a Cash App account that was set up for me to receive my IRS stimilus payments since the beginning of the pandemic. I only had access to my account long enough to receive my first stimulus payment. I believe my email was hacked so i lost all access to my account via recovery methods. Ive reached out to the Cash App team more than four times since i lost access in XX/XX/2020. I have notified the Irs as well, but unfortunately each deposit was successful and as far as i know, i have a nice amount of money just sitting in this inaccessible account of mine. I have had no success with the Cash App team helping me to recover my account, although ive been asked for really personal information in the attempt to prove my identity to the Cash App Team. One transaction for 4200 and another for 2200 was verified by the IRS that it successfully deposited into the account im trying to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My name is XXXX XXXX. I filed a complaint with you back in XXXX 2021 against Freedom Mortgage refusing to let me come out of forebearance and do a loan Modification on my FHA loan. I requested this 7 months ago from them, back in XX/XX/2021. You contacted Freedom Mortgage and then closed my case. I don't understand why you did this. They still wont send out my modification papers. They continue to lie to me, telling me the papers are complete and they are sending them.They told me in XXXX the papers were on the way to me via XXXX, but they never arrived. Then they told me on XXXX XXXX the papers were on the way to me via XXXX, but of course never showed up. Do you have attorneys I can contact to file a case against Freedom Mortgage before they cause me to lose my home???

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 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Bank, you are in many violations and I am demanding you Discover Bank to correct all of your errors on my consumer reports right now. CFPB, FTC investigate this matter. I blame the Credit Reporting Agencies XXXX for never doing their job properly because I disputed this account and XXXX said it was valid. 

So I blame yall XXXX XXXX, so please do not act XXXX when I invoice yall for violations. 

First off, Listen hear Discover, you are furnishing MY private information and I have the right to privacy, Im not sure if you are aware that is a {$5000.00} fine, I did not give you permission to furnish my private information on my behalf.

2nd, I am putting you on notice in regards to the charge off and DISCOVER BANK should know what the IRS says about a cancellation of debt of 600 or more and I am demanding DISCOVER BANK to send my 1099c, which you should have received when the debt was charged off. Also I will have to contact the IRS on them. A charge off is gross income and doesnt get reported. As of dated XX/XX/2022 at the time of XXXX XXXX, is reporting a Charge Off to ALL credit reporting agencies on my behalf with a balance of {$1200.00}. I have never received a 1099c form from DISCOVER BANK. 

There are various violations this company DISCOVER BANK are in 12 CFR 226.11 - Treatment of credit balances ; account termination. 

a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall - ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

The executive from Discover, XXXX, told me I can NOT reopen my account, when I asked to reopen my account, hes very rude, and Discover Bank is doing unfair business. I just CLEARY explained everything in a very basic and understandable term.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX BANK Account # XXXX 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 a 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 2022-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Services repossessed a vehicle financed through there company. However the company is now showing on my credit report that they are owed {$7300.00} that much wasn't owed on the vehicle at the time it was repossessed.

Westlake Services has caused irreparable harm to myself and my family by using these illegal and immoral actions to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I have sent 20 Credit Dispute Letters to XXXX and XXXX4 Credit Dispute Letters to TransUnion regarding inaccurate information on their credit reports regarding XXXX XXXX Bank and they have refused to conduct an independent investigation to delete the inaccuracies. 

I have only received 31 letters from XXXX XXXX Bank stating, " In your correspondence, you did not indicate what specific information you were disputing or requesting to verify. '' That is a verifiable false statement just by reviewing the attached 34 credit dispute letters.

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 2022-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have sent 20 Credit Dispute Letters to Experian and 14 Credit Dispute Letters to XXXX regarding inaccurate information on their credit reports regarding XXXX XXXX Bank and they have refused to conduct an independent investigation to delete the inaccuracies. 

I have only received 31 letters from XXXX XXXX Bank stating, " In your correspondence, you did not indicate what specific information you were disputing or requesting to verify. '' That is a verifiable false statement just by reviewing the attached 34 credit dispute letters.

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 2022-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-04 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation