vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX CARD Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX XXXX FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( fraud ) XXXX XXXX  Account Number XXXX ( Inaccurate reporting has reported paid in full due to auction sell on report then re put on credit as a separate debt. Was not notified by certified mail of a debt after sale per Texas XXXX ), XXXX XXXX Account Number XXXX ( FRAUD )XXXX XXXX XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX BANK Account Number XXXX ( FRAUD ), XXXX XXXX BANK NA Account Number 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 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 2023-08-08 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: HI

Complaint narrative:
Lowes/Synchrony bank card declined at Lowes. Learned that Fraud Dept closed account but would not explain why, or what transaction triggerred this closure. They locked me out of my Online Log In so I can not assess what is valid or not. On over 10 calls they have refused to talk to me or email me a list of transactions. One agent promised that I would received an email no later than 48 hours with a list of transactions. Instead, I get a message saying I need to log in to access an important message ( I have several such messages, despite the Bank locking me out of Online Log in ). How stupid is that!!! This could be error or Fraud, possibly insiders at the Bank or a rogue Lowes employee. I can not get their silly iphone verification process to work after several attempts. 

The account was closed by bank, which is fine with me, as I never want to waste another minute with this bank. However, my account is set for autopay and I dont want to payment to occur without having opportunity to review the charges they have attributed to my account. Again, this has been handled so badly, compared to any other bank I have dealt with over 50 years, that I suspect bank fraud. I need the data!! No other bank would ever deny a customer access to card card charges so cardholder can assess validity. I believe there are fines for Banks denying customers access to this data. I want the CFPB to levy maximum fines for egregious, illegal conduct by Bank. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im upset because my credit report will not update on credit monitoring services specifically ( EQUIFAX ) and also XXXX hasnt updated since XXXX, 2022. Ive tried fixing this issues previously with no results. My report is having error updating on XXXX XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: GA

Complaint narrative:
*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO MY PREVIOUS COMPLAINT * TO WHOM THIS MAY CONCERN, THIS IS MY LAST TIME ADDRESSING THIS FRAUD INFORMATION THAT IS STILL REPORTING ON MY CONSUMER REPORT. IT HAS BEEN WELL OVER 30 DAYS FROM THE TIME I'VE MADE YOU ALL AWARE OF THIS INACCURATE INFORMATION ON MY REPORT BUT IF THIS ISN'T FIXED WITHIN 14 DAYS I WILL BE FORCED TO FILE FOR LITIGATION IN A FEDERAL COURT. THE FOLLOWING INFORMATION NEEDS TO BE BLOCKED AND REMOVED FROM MY CONSUMER REPORT : FRAUDULENT ACCOUNTS: 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 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

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 2023-08-08 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX : XX/XX/XXXX SSN : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Federal Law Violated I was targeted by OneMain due to being low income, XXXX and XXXX XXXX People in certain zip codes. Were targeted by this company by their own admission and no one is willing to bring these people to justice There are federal laws designed to protect borrowers, like the Equal Credit Opportunity Act ( ECOA ). The ECOA makes it illegal for lenders to impose higher interest rates or fees based on a persons race, color, religion, sex, age, marital status or national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX I learned that I was a victim of identity theft. I had learned of fraudulent account that was opened in my name and credit inquiries on my credit report for accounts I did not apply for. When I learned of this fraudulent activity ; I immediately closed my bank account and notified all XXXX Credit Bureau. The credit bureaus placed a fraudulent alert on my credit, froze my credit, and removed the fraudulent account from UPGRADE INC from my credit report. 

On XX/XX/XXXX I filed a report with the federal trade commission and filed a police report with the XXXX Police department. In XXXX I learned that the fraudulent account opened with upgrade was placed back on my credit report because Upgrade verified this information was accurate. I then tried to notified upgrade by phone, but had no luck. I was able to find an email for them ; so I emailed them In XXXX of XXXX letting them know, I did not open this account. This account was open fraudulently and I requested them to send me the verified information they had on file. 
I requested a copy of the original application and verified documents used to open this account. I also requested where the mail/ statements were sent for repayment, where the monies were sent /deposited. I also requested what address, email and phone number they had on file. 


They responded, asking me to submit a picture of my ID, mailing address, email, date of birth and phone number before they could give me any information. Once I submitted all the requesting information, they sent me an email stating that the account was verified and that they would not remove it from my credit. 

I asked them again to provide me with documentation on how this information had been verified ; because I did not take out a loan with their company ( Upgrade ) and they ignored me. I never got a response. 

In XXXX of XXXX I contacted a lawyer to send them a certified letter requesting the same information, since my requests had gone unanswered. 
On XX/XX/XXXX my lawyer sent certified letter ; here it is XX/XX/XXXX and they have yet to respond or cooperate. 

This has been extremely stressful for me because I am trying to purchase a home and I can not do so with a negative account being reported on my credit. 

This company is not doing their due diligence when opening accounts, I have been completely ignored when trying to get this issue resolved. This company has to take responsibility for their actions and the way I have been treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 

XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX CARD Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX XXXX FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX  Account Number XXXX ( fraud ) XXXX XXXX Account Number XXXX ( Inaccurate reporting has reported paid in full due to auction sell on report then re put on credit as a separate debt. Was not notified by certified mail of a debt after sale per Texas law ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXXXXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX BANK Account Number XXXX ( FRAUD ), XXXX XXXX XXXX NA Account Number 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 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 2023-08-08 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: GA

Complaint narrative:
*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO MY PREVIOUS COMPLAINT * TO WHOM THIS MAY CONCERN, THIS IS MY LAST TIME ADDRESSING THIS FRAUD INFORMATION THAT IS STILL REPORTING ON MY CONSUMER REPORT. IT HAS BEEN WELL OVER 30 DAYS FROM THE TIME I'VE MADE YOU ALL AWARE OF THIS INACCURATE INFORMATION ON MY REPORT BUT IF THIS ISN'T FIXED WITHIN 14 DAYS I WILL BE FORCED TO FILE FOR LITIGATION IN A FEDERAL COURT. THE FOLLOWING INFORMATION NEEDS TO BE BLOCKED AND REMOVED FROM MY CONSUMER REPORT : FRAUDULENT ACCOUNTS: 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 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

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: COMMERCE BANK
State: CA

Complaint narrative:
I've been unable reach the bank after being on hold for over 30 minutes and there is no indication how to close the account online.

I tried to close the account based on my previous complaint but was unable to then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-08 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: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have requested guidance from my reverse mortgage company with regard to transition period after last borrower passes. In six months I have asked them three times and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Ive had a very confusing time with my mortgage being mishandled. I mailed in my XXXX by mail on XXXX. XXXX XXXX Dovenmuehle Mortgage lost my payment and didnt process it. 
Also right at that time, I had set up automatic payments which were to state XX/XX/2023. I kept on logging into my account during XXXX and saw no payment was due. 
Then in XXXX when I logged in, I saw that there was an outstanding amount and that the XXXX payment had not been taken out and neither was the XXXX payment applied. And I was marked late for it. 
Upon seeing that my check was still not cashed, I immediately paid the amount owed displayed. I was later told that the online screen only will allow and show one-month payments and recurring payments wont withdraw if there are any outstanding payments owed. 
This is something that was not communicated to me when I set up the auto payments. 
It is not my fault if the mortgage company loses my checks and doesnt process payments and fails to notify me. 
I understand that I missed the payment deadline which has negatively impacted my credit score. However, I believe the servicing of this account has been marred in confusion, since its a new account., I was also given limited information and had both technical and issues that absolutely misled me on the website. In addition, it also had been very confusing trying to figure out who the actual lender is. Also, time and again I tried to login to the XXXX XXXX website and it kept on transferring me from one portal to another, and wouldnt let me in. 
I also filed a small claims court against XXXX XXXX Dovenmuehle Mortgage and there is a $ XXXX judgment pending against them. However, Id be willing to drop this case if the companies remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: MI

Complaint narrative:
On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: NY

Complaint narrative:
XXXX and Equifax have refused to removed fraud inquiries from my credit report for 16 months. I have sent them information and so has XXXX XXXX to have them remove it on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amd they still have not removed it. They have also locked me out of my XXXX account and locked me out of my equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account is 19 years old, three times mass limit of 6 years. I tried reporting to each credit agencies and no response.

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 2023-08-08 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Account is 19 years old, three times mass limit of 6 years. I tried reporting to each credit agencies and no response.

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