vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/2023, i received an alert on my XXXX consumer report of a balance increase of {$69.00} totaling my amount owed as {$1300.00}. When I called OMF and spoke with the credit department, they confirmed that my balance was lower than what was reflected on my consumer report. This inaccuracy caused my credit score to drop by XXXX points. I was also made aware that OMF reports to the CRAs in the first week of every month. However, my payment isn't due until the XXXX of every month. I submitted a complaint to OMF ( attached ) which completely negated this issue. Now on this day it is XX/XX/2023 and my balance is being reflected on my XXXX, XXXX AND XXXX reports as {$1200.00}. My balance reflected in my OMF account is {$1200.00} with no balance owed and no late fees ( attached ). This is the SECOND time OMF has communicated information to the 3 CRAs that is inaccurate. I am entitled to either have my information reported ACCURATELY under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ; ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors and ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

ALSO UNDER SECTION : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

They have a DUTY to correct this information because it is not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TN

Complaint narrative:
I paid off my loan at the end of last month and sent a message to them on XXXX about what would happen next with paying it off but never heard back. Their app says they will message back within 1-2 business days but they havent yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Sunrise Credit Services , Inc . 

They hit my credit and when I called to rectify the situation, I was bamboozled into giving them my personal information. 

I dont know any debt to XXXX XXXX. The debt is not mine that they are claiming. 

Im not the only one. Please review their XXXX reviews. Many victims. Please shut this company down.

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 2023-09-14 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: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

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 2023-09-14 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: Ability Recovery Services, LLC
State: CA

Complaint narrative:
Ability recovery services is reporting a debt from XXXX XXXX. I have never attended or provided any information to either company. Ability recover last responded that they couldnt located the account but when I disputed the account from my credit they stated they verified it. Ability recovery services cant provide an application, or any information related to this alleged debt and neither can XXXXXXXX XXXX. They literally are just trying to collect a fraudulent and fake debt that doesnt even exist. This is clearly a violation of FCRA.

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 2023-09-13 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: CO

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX  Account Number : XXXX  Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Called from a unknown number claiming I owe XXXX from XXXX. Threatened legal action if I didnt pay right away was insisting I pay anything just to slow down or stop the legal action. Claimed I had account from XXXX. In which I was homeless during those times and have no recollection of ever having such a account. 

They claimed it was from Wells Fargo bank. Ive had previous issues with identify theft so I believe someone has stolen my information They were persistent on me sending money right away even after I asked for company address and information They called from restricted numbers saying they had legal documents that will be delivered for me to sign.

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 2023-09-14 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I have account thats closed and ask them to remove them but they never removed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have maintained perfect payment history with this credit card company, my XXXX XXXX through Comenity Capital Bank, since XXXX. 

I have tried to keep my credit usage under the recommended 30 % of my outstanding available credit and in so doing this is one of the cards I have not used as it is at a higher rate than some of my others. But I certainly felt secure and appreciated that this card with a built up {$7500.00} credit limit, which offers me resources anywhere, was in my wallet. 

Upon receiving a letter from them a couple weeks ago that said they intended to close my account if I did not use it by XXXX, I attempted to begin using the card. It was declined. While this was humiliating for me, the worst was yet to come. 

When calling them for an explanation they said they had information that my credit situation had changed significantly. I do not believe this to be the case but I was told if I wanted to keep using this card a credit report would need to be pulled. Knowing that a XXXX inquiry will lower my score I very reluctantly authorized them to pull my credit, they gave me no choice- it was either that or they were going to close it in XXXX anyway since they are preventing me the ability to meet their condition for keeping it open ; to use it. To my horror and disbelief the Representative said my request to remove the " freeze '' was declined and I now had no available credit. I don't understand, when I have absolutely no late payments to them, or any of my creditors, ever- and I am currently at using only 27 % of my overall available credit and my household income more than supports my outstanding debt- HOW could they punish me like this!? I have kept my end of the terms to the credit agreement and I have only improved as a credit using consumer in the four years since I took out their card. 

My reward for being a responsible customer after 4 years is to be selected for this new procedure in which the credit card company gets to pluck you out of the blue- lower your score by doing an inquiry and then reduces your score even further when they close your account. Ask why and they say " talk to the credit reporting agency ''. Well- its not the credit reporting agency who has just revoked a {$7500.00} credit card and I KNOW they wont be able to tell me why XXXX Comenity did it either so that's lame. For doing nothing wrong, for doing everything right- this company has just injured me by reducing my bowering power and increasing the rate at which I would qualify if approved for credit. This is just absolutely lousy that by doing this they can hinder or even disqualify consumers from credit eligibility. I ... .did ... ..nothing...... wrong. There should be no reason for them to hinder my credit eligibility through their new method of " credit recall '' and account closure, if THEY choose to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: MA

Complaint narrative:
I sent a complaint in XX/XX/2023 ( COMPLAINT ID XXXX ) about the same issue. 
Trust Wallet deliberately lied to an official organisation CFPB ). 
1- I contact Trust Wallet more than one time and they NEVER replied to me. Neither a human nor a robot.

2- I did not grant accs to my account to anyone using a link or malicious application. Otherwise, please provide a proof of it. 

Trust Wallet is or have been victim of a data breach and doesnt report it publicly as they must. 
Trust Wallet is not officially registered in MA where I so they are sure that users can not sue them. 

On their website Trust Wallet describe itself as the most trusted & secure crypto walletand Keep your crypto safe from hackers & scammers. 

I did report Trust Wallet to the FBI, to the Massachusetts Attorney General and other official organization. I have also reached a lawyer for my case. 

I have lost a total of about {$1400.00} for no reason and I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: LA

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 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX have been contacting me about a past due debt. A representative contacted me in XX/XX/2023 requesting the debt to be paid, I told them I did not know what this debt was for and requested a debt validation letter. The rep gave me the web address to the pay screen where there was no contact information on it. When I continued to question the rep about the debt in question and a signed contract, she stated that they do not have that and that they are not the holders of the debt. I stated that I was not comfortable giving an unknown company my money when they can not provide information on what the debt was for and the fact that she stated that they do not own the debt. This appears to be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
I am a XXXX XXXXXXXX XXXX  member. I have auto loan with bank of america. they already asked me to submit my XXXX order and already approved and applied XXXX  benefit to my account. But when I apply the auto loan, the interest is still higher than 6 %. I told them to fix it but they said they could not do it.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: NY

Complaint narrative:
I filed a CFPB complaint against EXPERIAN because they would not dispute an account as fraud. I was provided this Case # XXXX and on XXXX I was provided this response from EXPERIAN stating that they will dispute the XXXX account. " Thank you for submitting your dispute on XX/XX/2023, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We are transferring your concerns to our Experian dispute center. Upon completion of the reinvestigation, a notification of the results will be sent to you for review. The reinvestigation can take up to thirty days. '' I called EXPERIAN today and spoke with XXXX in the Special Services Dept. He said he sees the CFPB response and request to dispute the XXXX account as fraud, but he is unable to and it would have to be an internal department. 

I am completely flabbergasted. I explained that EXPERIAN directly mentioned that the account would be disputed again as fraud but nothing was done and he told me that he doesn't have the ability to do it and if I disagree, my next step should be hiring an Attorney. 

This fraud that I am dealing with has already cost my credit, my time and money ... and now I am told I need to pay for an Attorney? I can't even express how upset I am about this.

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