vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, 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 explanation
Consumer complaint received 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My estranged spouse and I XXXX XXXX XXXX XXXX and had a joint business account with Wells Fargo. We both went in to the branch together and set up the account, we are both owners of the business. 

After he had to leave the home due to XXXX XXXX issues he went into the branch, the banker removed me from our account without my knowledge or permission. I am not only off of my business account, I am not even a customer at the bank now. I can not even access any banking records from before I was removed without consent. My husband is now in full control of the business finances, and not paying taxes. I have been completely destroyed by this and my credit and future are in serious danger, I am getting letters from the state and IRS and have no way to even begin to deal with the tax issue because I cant access any records. He was also allowed to open up a new account where I believe he hides the business income. 

I have made contact with several people at Wells Fargo and they all seem to know how bad this mistake has been and just seem to pass it along until they have now stopped returning my calls.

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 2022-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
For tax year XXXX, the mortgage company - Guaranteed Rate - issued XXXX XXXX. The finally correct XXXX didn't arrive until far past the deadline to file my tax returns. The first XXXX XXXX were wrong. The final corrected XXXX was issued after XX/XX/XXXX The lateness caused my tax returns to be amended. I forwarded the bills to get reimbursement for my amended returns on XX/XX/XXXX and the last update I received on XX/XX/XXXX was " Your request for reimbursement was declined because you filed a claim for too much money so the committee declined to give you any reimbursement but I'll keep trying and escalate it further. ". 

Breakdown of claim : personal return XXXX  {$450.00}, XXXX XXXX  {$400.00} XXXX XXXX {$170.00} Times XXXX for my time ( as we previously discussed ) {$1000.00} TOTAL CLAIM : {$2000.00} My position is taking over two months to obtain the money they owe me unreasonable and the need motivation to be compliant with the law from a regulatory agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX, I am a victim of identity theft, my wallet was stolen and it had my identity in it. I'm contacting you guys to delete the following information in my file to correct my credit score. I already reported the issue to the Federal Trade Commission. I would appreciate it if these items can be deleted as soon as possible. Thank you! 

Account Name : XXXX XXXXXXXX XXXX  XXXX Account number : XXXX Open date : XX/XX/XXXX Account balance : {$3.00} Inquiry Name : XXXX Inquiry Date : XX/XX/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 2022-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for the Public Student Loan Forgiveness program and was denied. I have been in XXXX XXXX  for about XXXX XXXX which consists of XXXXXXXX XXXX at the XXXX XXXX and about XXXX XXXX for the XXXX XXXX. There was no explanation for denial and I qualify for this program. I was told to consolidate my loans in order to qualify which I did and still got denied. Every time I call in a different rep tells me something different. Everyone is on a different page with no clarity. Can someone look into my account and see what's going on. I will be contacting congress as well for some assistance on my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have called synchronicity bank and tried to get them to remove my personal number XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they won't because it's attached to an account for XXXX XXXX XXXX I constantly get automated phone calls and want to remove my number and they won't.

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 2022-07-09 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: GA

Complaint narrative:
I reviewed my credit report with Equifax. I found an account ( XXXX XXXX XXXX ) that was not mines I tried to dispute this account with Equifax and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: PA

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

US DEPT EDXXXX US DEPT ED - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

One more thing I was reading the FCRA and noticed you violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a ( e ) 15 USC 1681b ( a ) ( 2 ) 15 USC1681 ( 5 ) ( a ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed fraudulent information being misused and being reported to my credit score with XXXX, XXXX XXXX and Equifax. I received notification that items were deleted. When i checked my credit report things on my report were changed and on positive accounts and old negative account were added back to my credit report. it seems as if the credit bureau is deliberately lowering my score. every time I send in a dispute letter, I provide identification and proof of address. They are always respond saying they need verification when I send in disputes. I am a 100 % XXXX veteran and my address if confirmed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 This account was dismissed in 2019 by XXXX County. The judge found the case on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. I seen massive inquiries! such the ones below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 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 an 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 2022-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Victim all of these inquiries are false all info is attached below.

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 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Please explain the following finance charges ( shown as of XXXX ) : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6.00} I also noted that your system moved the dates of the charges around for whatever weird reason so today XXXX I looked and see this order : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} First of all, for the month of XXXX I was NOT late ( I paid on the due date which was the XXXX of XXXX ). 

I have reached out ( via secured messages/online support ) several times regarding this, including a call with a rep who admitted that this was wrong and she would issue a credit. As of today, nothing was resolved. 

I will replace recurring charges on this card, pay off whatever the remaining correct balance and won't be using your product anymore. I will be sure to write a review about this experience on XXXX, XXXX XXXX XXXX, XXXX and all relevant review sites to warn consumers about you including relevant screenshots etc. to outline how awesome the user experience is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
After closely reviewing my credit reports, I have established that JP Morgan Chase Bank ( JPMCB ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XXXX XXXX, 2022, I sent a letter putting JPMCB a notice that the are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report these account any longer. All information has to be validated, verified and reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/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 XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
This complaint is against Planet Home Lending. We took a forbearance in XXXX for our mortgage. They accepted our forbearance but marked our credit reports as late throughout the entire time of the forbearance. I inquired about this and was told that we were not current in our mortgage payment in XX/XX/XXXX due to a returned check. We weren't current but they still took us for forbearance. I also was told that when we did the Loan Modification in XXXX of XXXX we had not brought the payment of {$1100.00} current so the late payments had to remain. 

My husbandXX/XX/XXXXduring the covid pandemic, and that was XX/XX/XXXX. I didn't realize we had a returned check until months later. I thought that since they accepted us for forbearance we were current and in good standing. 

We made the payment of {$1100.00} to make up for the XXXX late payment in XXXX of XXXX. Planet Home didn't acknowledge that we made that payment and indicated in a letter to me that we were behind in our payment of {$1100.00} at the time of the Loan Modification which isn't true. I have spoken with representatives at Planet Home Mortgage about them saying we didn't make up that payment when we did and was told it didn't matter. 

Planet Home Lending knowingly granted a forbearance to us when they knew we were not current on our mortgage it appears to me. 

It was several months of getting my husband back healthy after hisXX/XX/XXXXand XX/XX/XXXXXXXX. I can document all of this if needed. 

So in short, Planet Home Lending granted forbearance knowing we were late in XXXX with a returned check. When I inquired about the late on the credit reports I was told we had not made up the late for XX/XX/XXXX of {$1100.00} BEFORE the loan modification of XX/XX/XXXX. That is not correct. That late was made up in XX/XX/XXXX. 



Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
account opened XX/XX/2022. Called them and asked for the contract/documents with my signature to verify the debt. Said I would be happy to pay ONCE it is verified that it is indeed accurate and valid. Nothing was ever emailed over and they record calls so all this is recorded. In the letter it states 'Call or write to us by XX/XX/2022, to dispute all or part of the debt ' 'If you write by XX/XX/2022, we must stop collection until we send you that information. ' This was not followed as I called prior to that date and all this is recorded. Since no letter or document was provided within the window I need this removed from my all 3 credit bureaus then an updated credit report mailed to me. 

Account name CONSUMER COLLECTION MNGT Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$150.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation