vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello I cant access my credit report like whatsoever my son is XXXX  and my id is attached to this complaint im submitting. I pulled my credit from another source outside of Equifax and there's was nothing, zilch, notta showing. I hope with this sensitive information I've attached Equifax will be able to submit me a credit report. I would also like to regain Equifax to www.myequifax.com I haven't seen my report on the website in years. Nor have I been able to access it from Equifax website or annual credit report.com please help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to identity thefts fraudulent paperwork tampering with records XXXX XXXX XXXX XXXX XXXXXXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXX XXXX XXXX XXXX XXXX  an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to identity thefts fraudulent paperwork tampering with records XXXX XXXX XXXX XXXX XXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXXXXXX XXXX XXXX XXXX XXXXXXXX an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement

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 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I had a payment agreement with original creditor they did not lower the debt with the payments I was making. I had several health issues at the time did not know I could do anything about it. They sold my debt but not the correct amount. I have fought this with every debt collector in the 7 years and instead of correcting it they sell it and report it as new debt. I have contacted this company and tried to fix it they refuse and instead are doing the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-07-01 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Unauthorized/unsolicited Hard Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD SERVICES 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Unauthorized/unsolicited Hard Inquiries from XXXX Credit Report XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX CREDIT ACCEPT CORP/CAC 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 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 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2023 I contacted Synchrony Bank by phone at ( XXXX ) XXXX and told them I was disputing their account in the amount of {$1400.00} and wanted them to cease and desist contact with me regarding said account. On XX/XX/2023 I sent them a letter requesting the cease and desist in writing. They did not respond and On XX/XX/XXXX I received a bill where they are continuing to try to collect on a debt I am disputing and threatening me with credit damage and increased interest charges. It is harassment for them to be continuing to contact me trying to collect on a disputed debt and I am now reporting them as they do not follow the FDCPA.

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 2023-07-01 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I initially took out student loans ( private and federal ) thru XXXX XXXX to attend the XXXX of XXXX University ( XXXX ). In total I graduated with over {$90000.00} USD in debt. 
After my grace period ( 6 months ), I had problems playing the monthly on the loan. I had to go onto both forbearance and deferment. I had to refinance the loans and did so with XXXX XXXX ( which become Navient ). It became a 30 year payment plan. It was about 2 years before I started making monthly payments to the loan, starting around XXXX. The loan accrued to close to {$140000.00} USD. From XXXX on I made monthly payments. I paid ranging from {$750.00} USD a month to {$1000.00} USD every single month. Year after year. 

It is now XX/XX/XXXX and it's been 16 years. I have not missed a loan payment yet. On my account it still says I have {$81000.00} left to pay off all loans. Doing the math, 16 years, at {$750.00} a month comes to {$140000.00}!! The loan is supposed to be paid out by XXXX. By then I would have paid out {$250000.00}!! I will be XXXX XXXX XXXX. 

I have contacted Navient regarding my loans and they say there is nothing that can be done in terms of refinance or anything else. I requested my original promissory note and they could only give records that were incomplete in terms of payments. 

It seems criminal that I have yet to dent the loan amount. I have not been able to buy a house or have children because of all of this. I feel I am being manipulated and taken advantage by a loan provider that hides charges, payments, loses paperwork for account history, and ultimately I will have almost tripled the amount I originally took out. 

I feel I have been deceived my this loan provider in order to squeeze more money out of me then I originally signed to take for my college education. Their practices must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: ID

Complaint narrative:
in accordance withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX child support 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 childsupport XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: ID

Complaint narrative:
in accordance withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
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 2023-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
i got an overdue payment reporting on my account i was overdue but mr cooper didnt make me aware of this till after i nade account current and guy i talk to there said there is nothing he can do he should be able be able to change history to current all im asking them to do is remove lare payment which i never knew was late i paid the amount due on account which they could of rejected so i wouldve known the amount was incorrect which they didnt do. also i never received a call from them informing me i was late they took payment and never notified me of anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I had a payment agreement with original creditor they did not lower the debt with the payments I was making. I had several health issues at the time did not know I could do anything about it. They sold my debt but not the correct amount. I have fought this with every debt collector in the 7 years and instead of correcting it they sell it and report it as new debt. I have contacted this company and tried to fix it they refuse and instead are doing the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They allowed my Xhusband to remove me from the deed, but keep reporting to my credit. Then they keep letting him advance on that loan without my knowledge. It's destroyed my credit. Maxed out my debt to income ratio as well. I literally can never get it off because they allow him to keep pulling from the equity on a loan that doesn't just affect him. I have had to pay thousands and thousands of dollars in extra interest when I purchase things because of it. Not to mention what this is doing to my credit score and stopping my ability to advance in a career in the financial industry. I have worked in this field for 25 years and I have never heard of this happening to anyone else.

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 2023-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Around the end of XXXX first part of XXXX I recieved a card from Bank America. I called up and informed the lady that I changed my mine and did not want the card that I did not activate it that I cut it up. She said no problem as long as I did not activate it. On XX/XX/XXXX I talked with person from fraud department Name of XXXX explained what had happened and I was being charge {$2800.00}. He said the account was closed. On XX/XX/XXXX talked to XXXX he said the same thing. I ask him then why am I being charged for a service I never authorized. He said the account is under review and closed. On XX/XX/XXXX talked to XXXX she said she would reopen the claim under a different type. On XX/XX/XXXX got a statement from Bank America showing two different accounts which I never requested. One says account ending in XXXX closed new account XXXX saying I owe {$2800.00} which I have no idea where that account came from. I keep telling them to check the phone recordings and it will tell the whole story from day 1. Which they are not doing or I would not be in 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 non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
I have 2 accounts with 1st Franklin Financial. 1 of the accounts is now closed, and they have not reported it closed to the credit bureaus. I disputed that it was closed and 1st Franklin said that its not. Someone at 1st Franklin is confused because I still have a different account that is open. I see both accounts on my 1st Franklin login ; it says 1 is closed and the other is open. I think 1st Franklin should really pay attention to detail and correct their mistake to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have no debt owed to anyone that has contacted me. Portfolio continues to use Ghost numbers that do not show it is them. And since I have employees that travel I have to answer in case they are in need of something. 

My debts have either all been paid or were purchased years ago by Portfolio and have expired. I do not now or have I in the last yars received any mailing concerning a debt owed. Plus I have never approved any lender sending something to a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I was sent {$350.00} via XXXX from a friend. I sent the {$350.00} right back because my friend was trying to pay themselves so that they could pay for utilities. The {$350.00} went to the same account they sent from. So they fixed the account information and sent me the {$350.00} again. So everything was an eye for an eye. My friends {$350.00} was utilized as they wanted. My money was never involved and it was never my {$350.00}. 

On XX/XX/XXXX, a dispute was made on the account. The dispute charged me twice for {$350.00}. The total withdrawal was {$700.00}! I tried to contact XXXX to tell them what happened and they couldnt help me. I contacted my bank and they couldnt help me. I contacted my friend because she shares an account with her domestic partner. The domestic partner was the one who made the dispute as they were having domestic troubles. I contact the bank of the domestic partner and they could not help since I do not have an account with them. I just lost {$700.00} and my friend was still able to use her initial {$350.00} to pay for utilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: TX

Complaint narrative:
Equifax has correctly closed all 16 accounts with XXXX  XXXX XXXX since all of my student loans moved to XXXX in XXXX of 2022, but Equifax is incorrectly reporting the " reported balance '' with the amount of the loan instead of the " reported balance '' on all 16 closed accounts with {$0.00} balances as I do not owe XXXX  XXXX XXXX any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Reporting false and inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
on XXXX XXXX  5/3 bank transferred XXXX XXXX dollars to a person i did not approve of through a XXXX  account. i never used a XXXX account, was not aware of it. i've tried for a month to retrieve my funds, & was told four times it would be redeposited back to my account. i've contacted the attorney general office, fifth third bank fraud department the comptroller of currency. repeated trips & calls to the bank spoke to twenty seven people at the bank but, my money has not been returned. they simply refuse to return my money. can you help retrieve my money please!! thx

Company response to consumer: Closed with monetary relief