vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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: MA

Complaint narrative:
Paid student loan has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: MA

Complaint narrative:
I have a small XXXX  collection account on my credit report. I lived in NY at the time it occurred. In NY collections fall off after 5yrs.

Equifax is arguing that because I moved it reset the clock. I confirmed with a credit law firm that the statute of limitations remains in the state where the debt occurred and can not reset to the new state.

I have also recently read that all three credit bureaus are going to delete all XXXX collections under {$500.00} in XXXX. My collection was both under {$500.00} and due to fall off in XXXX. I requested early exclusion and was vehemently argued with that they intended to keep it on my report an additional 2yrs! Beyond not following rules they are abusing power and using intimidation to harm people financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: OH

Complaint narrative:
Unauthorized use of my credit report. Please see attachment

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 2022-03-31 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: OH

Complaint narrative:
Unauthorized use of my credit report. Please see attachment

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 2022-03-31 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Unauthorized hard inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I've been trying to get my free consumer report from Early Warning Services , LLC for over a month now but they have yet to send it to my email address. I made an account for their online portal and sent in the document & my ID that was required, but now when I try to login it won't allow me and when I click " forgot password '' it sends me an email telling me that I've been denied to change my password. It doesn't make any sense. 

I received a letter in the mail to call their XXXX number with my consumer ID number so they can verify it's me and to to get my consumer report. I called and talked to a woman on the line and was told I was put in the queue for the consumer report to be sent electronically to my email but it has yet to arrive. 

I've had no issue with getting my report from XXXX or from the three major credit bureaus who make it a much easier process. I don't know why EWS makes it so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX 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 2022-03-31 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:
Equifax, XXXX and XXXX is showing Negative accounts that not listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, Equifax has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Someone created an online banking account in my name with my information .The Bank they used was Wells Fargo they have taken my whole identiy and used an number that is not mines and a email address that is not connected with me. I have contacted the bank Wells Fargo and no results they are unwilling to close the account because they say " I have to verify the email address and phone number. '' I went to a local branch and requested to speak with a branch manager and no results either this happened in the beginging of XXXX as much as I can recall I recieved bank statements with the person who is pretending to be me where they do online bank transfers. I am a victim of identity theft please help.

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 2022-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Disputed the inquires Capital One made as i never applied for any auto loan with them. I filed a FTC report and faxed it to them and they haven't remove the inquiries like they said in my last complaint. 

Previous Case Reference Number : XXXX CFPB File Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachment/ attached documents and id as it contains my full complaint and request.

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 2022-03-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$510.00} and {$640.00} my credit card account through Wells Fargo. I did not have my card in my possession and did not authorize anyone to use my card. I am single and have no other authorized users on any financial account. These referenced charges are fraud. I have never made any purchases at XXXX XXXX. At the time of the fraudulent charges, I was in the XXXX XXXX area. 

Texted yes to fraud on XX/XX/XXXX Phone call with Wells Fargo starting XX/XX/XXXX ( about XXXX calls ) Police report 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 explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have previously sent letters ( XXXX, XX/XX/2021 and XX/XX/2021 ) to Equifax to verify information on my report. They have continued to respond alleging that the information is accurate/valid. They have not to this day, sent me any agreement with any of these companies that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. The obligation between the companies and I that allows them to collect on the alleged debt and any transactions between these companies that binds me to an agreement to pay them any money that they claim I owe. Payment history with these accounts is showing inaccurate with some being different than other reporting agencies, which is also proof that Equifax did not verify any of this information to be accurate or valid. I am showing incorrect payment history for the below companies on my report for Equifax, and therefore are demanding that they delete those accounts. A collection/chargeoff account by default is considered late. 

XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX  ( violation under HCFA Law ) collection with no name, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I wanted to consolidate my XXXX loan to a direct loan program, and apply for the XXXX program. My spouse and I both have worked for an employer XXXX XXXX XXXX XXXX XXXX. I have worked for the XXXX for almost 26 years and spouse for over 20 years. I submitted the consolidation application, after being told by Navient and XXXX XXXX that I was eligible. Approximately two weeks after applying I received notification that I was denied. The reason given was I had the wrong loan type. My complaint is that I was coerced into consolidating my loans with my spouses loans into a loan type that could not be reconsolidated. If I had known this I would have never consolidated the loans in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
We were on springbreak vacation with our kids on XX/XX/XXXX of this year and we were trying to cancel our hotel reservation through XXXX because the hotel that we did our reservation didnt honor the XXXX  price. 

My wife called XXXX 's customer service but got disconnected due to bad reception. A XXXX called and pretended to be " XXXX XXXX '' and told us he will help us with our cancellation. He sounded legit and know a lot like what a XXXX XXXX would do. XXXX said our hotel reservation cant be cancelled but he can upgrade our reservation so we can cancel it and we can get refunded. He told us to Zelle XXXX XXXX ( XXXX ) {$200.00} and he will refund us back. After a while he asked us to send him a screenshot multi media message with the Zelle that it was completed. Then he told us he forgot to tell us to put a reference # on the memo and if we can send him another {$200.00} with a reference # and he will Zelle us {$400.00} as our refund. Then after a while, he told us he miscalculated our refund to {$600.00} and send him another {$200.00} with a different reference # and he'll refund us the money right away. Then he made an excuse that the Zelle theyre sending to my account was not going through. 

That drew my suspicion that we are being scammed. XXXX XXXX told us that his XXXX told him that they have a limit of {$1300.00} before they can send us our refund and he was asking for more money. Thats the time that we stopped. We tried to contact the XXXX number and the scammer really answers as " XXXX XXXX XXXX and kept on telling us to send them more money so they can reimburse us. We tried to call XXXX XXXX and a lady answers and tells us he is unavailable but she eventually blocked us. We tried to message XXXX and request our money back but he declined our Zelle request. 

I contacted my bank ( XXXX XXXX  ) and filed a dispute right away with the Zelle payment that I sent but according to my bank its being investigated until now. I also filed a report with Zelle about the scam on XX/XX/XXXX but I haven't heard anything from them. I feel like as time goes by, we won't be able to get my money back. 

We contacted XXXX about this scammers representing them and they dont have an definite answer to us but I was able to email their corporate to notify them about the scam. I also filed a complained with FTC, Tx Atty General and the FBI cybercriminal dept regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Called trans union to remove hard inquiries on my report that I didnt recognize or authorize. They didnt want to do it. Please make them remove them

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 2022-03-31 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Filed a credit card dispute with Wells Fargo XXXX XXXX XXXX from a purchase made on XX/XX/2022. It was recently declined and letters have not arrived in a timely manner. In fact, a decision was made to deny on XX/XX/2022 and I was never notified until I sent a request on XX/XX/2022. At this time I was provided a response by the merchant and the Vehicle Purchase Order ( page XXXX ) was obviously altered and does NOT match the same document that I have in my possession and was provided to Wells Fargo XXXX XXXX XXXX. This material fact of alteration seems to be continuously overlooked for some reason. By altering this vital document in this dispute, its outright misrepresentation and Fraud. 

At no time was I ever advised of any official means of appealing this dispute as is required by XXXX XXXX. Does Wells Fargo XXXX XXXX XXXX follow the Dispute procedures as outlined by XXXX XXXX or are they following some other procedure? 

On the first page of the ! st attachment this was in the text : We are unable to obtain a refund on your behalf because we have confirmed the merchant provided the services for which you were billed, and you accepted the services. 

At NO time did I accept an altered material change in the Vehicle Purchase Order ( page 5 ) that was sent to Wells Fargo XXXX XXXX XXXX. 

The actual document that is in my possession is in the 2nd attachment and is NOT altered.

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 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Due to the global pandemic and local shelter in place regulations i like many could not pay my bills. i explained this to capital one in XXXX and they did nothing which resulted in late payments. 

the moment i regained employment i never missed a payment and paid off my credit card extremely quickly. When speaking to capital one i was told my late payments would be removed from my credit report if i never missed a payment. 

i filled out all forms and spoke to numerous agents regarding my struggle with the pandemic. those late payments are to be legally removed from my credit report. every time i speak to Capital one they tell me to dispute it with the credit bureau, which i have multiple times and they have not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: PLATINUM HOME MORTGAGE CORPORATION
State: GA

Complaint narrative:
Unauthorized hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have uploaded letters from a account that was paid in full that was put on my credit and they refuse to update it and take it off since it is paid in full.

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 2022-03-31 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:
Equifax, XXXX and XXXX is showing Negative accounts that are not listed on my credit report. If not listed they need to be removed. I have a paid account to XXXX XXXX that is listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, Equifax has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
XXXX, Experian and XXXX is showing Negative accounts that not listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, XXXX has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.

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 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: MN

Complaint narrative:
I tried to cash my money order at Walmart, and it wouldn't process. They then further mentioned they couldn't process my request because my credentials were on hold, and that possibly because someone used my identity to make a XXXX dollar check cash back in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: IL

Complaint narrative:
In XX/XX/XXXX, I received communication that I had to renew my IBR before XX/XX/XXXX to be eligible. Around XX/XX/XXXX, I submitted annual recertification through the AES website which they sent me a letter on XX/XX/XXXX that I would have to pay {$10.00} every month based on my income. In XX/XX/XXXX, I submitted new certification documentation because my income was absolutely XXXX because I would no longer receive unemployment which was my income at the time. So for XX/XX/XXXX, they send me my IBR approval request of {$0.00} but are still charging me the {$10.00} for the original plan which I contacted them and asked them why? I had never had this issue before and my income had been higher at other points, such as $ XXXX which is more than the $ XXXX XXXX received for my unemployment for that year and my Ibr would always be {$0.00}, so why did this amount change and they said that I had to pay it? Trump had a freeze on student loans which started in XXXX XXXX and President Biden has extended to XX/XX/XXXX, so why did AES take my account to collections for {$10.00} when there is a freeze on student loan payments and since there is a freeze, I wouldnt have needed to submit recertification documentation until after XX/XX/XXXX? This is ridiculous and an insult. I sent in my paperwork on time and the second time as well. It isn't my fault they didnt answer my recert until XXXX XXXX.

Company response to consumer: Closed with explanation