vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 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: I.C. System, Inc.
State: IL

Complaint narrative:
I have a collection company reporting I owe on an account that doesn't belong to me. They say the service is for an address I've never lived at and its during the time i was serving over seas. I've tried calling XXXX the original company and they don't have any information so I called the collection company IC systems and they said I need to send then proof that it's not my account but how can I prove something isn't mine when it's not mine.

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 2022-07-03 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 Crdit 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 a account without my written instructions. 

XXXX XXXX - XXXX XXXX XXXX XXXX OF 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 2022-07-03 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 Crdit 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 a account without my written instructions. 

XXXX XXXX - XXXX XXXX XXXX XXXX OF XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX - Acct # 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 explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Unable to pay online via account or XXXX XXXX Chat is a bot, and the customer service phone number goes to a recorded blurb and then disconnects. Been going on for over 10 days now. My payment falls on a holiday weekend, yet their social media states only people whose payment is due by XX/XX/XXXX will be saved late fees. My payment is due XX/XX/XXXX and I STILL cant pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Late payments are being reported on my credit reports that and inaccurate. Never had a late payment.

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 2022-07-03 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: GA

Complaint narrative:
Late payments are being reported on my credit reports that and inaccurate. Never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Late payments are being reported on my credit reports that and inaccurate. Never had a late payment.

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 2022-07-03 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: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2022-07-03 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: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: GA

Complaint narrative:
In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights.

15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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 2022-07-03 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: NC

Complaint narrative:
My identity was used for a mortgage and I want it removed from my report on XXXX XXXX XXXX  Account number # 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 2022-07-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For five plus I continue to request a copy of the permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX. I have yet to receive. Both companies play the attorney games and continue to ignore and deny any wrongdoing.

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 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc.
State: IL

Complaint narrative:
On or around XX/XX/2022 I signed up and was approved for a SoFi credit card. On the same day as my approval, I used SoFi 's chat support and spoke with " XXXX XXXX ''. The chat log is as follows : XXXX XXXX : Hi, XXXX XXXX, thanks for choosing SoFi! My name is XXXX XXXX, How can I help today? 

Me : Hello! I want to check if my sign up bonus offer linked to my account is the XXXX offered here : https : XXXX Herson V XXXX When did you apply for your Sofi credit card? 

Me : Just now XXXX XXXX : That is the same promotion, however there are some other requirements for instance : To receive the offer, you must apply and get approved for the SoFi Credit Card and have an active direct deposit through their SoFi Checking and Savings Me : Right. My question is : for the credit card I was just approved for, is this offer tied to my account ( i.e., the spend {$1500.00} to get {$200.00} ). 

XXXX XXXX : Yes! 

Me : Perfect, thanks! Do you have an idea of how long after spending the {$1500.00} it takes for the {$200.00} statement to be reflected? 

Me : I just want to make sure to confirm it worked once I spend that amount. 

XXXX XXXX : It should be immediately Me : Awesome. Thank you so much. That's all I needed After meeting the minimum spend, I did not immediately receive the {$200.00} offer as a statement credit. I contacted SoFi using the chat feature again ( date uncertain ; around midXXXX ) and was told that SoFi would look into the issue and follow up with me. 

Today ( XX/XX/2022 ), I contacted SoFi using the chat feature again as I never received a follow up. I spoke with " XXXX XXXX '' and was told that " it seems [ SoFi 's ] special team declined our previous ticket, you spent the requirement of {$1500.00}, unfortunately we don't show a XXXX XXXX 's affiliate link was use. [ sic ] '' After describing the above, I was told there was nothing else that can be done except that XXXX can forward my complaint. He could not assure me that SoFi would follow up with me on this issue when I asked. 

I spent {$1500.00} using SoFi 's credit card in reliance on receiving the {$200.00} offer that I was assured was connected to my account. A proper resolution would be honoring this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: PA

Complaint narrative:
i writing to delete the follwing imformation in my file. the items i need deleted are listed in rbe report. i am a victim of idneity theft & did not make the charge. i ask that the items be deleted to correct my credit report.i reported the theft of my idenity to the Federal Trade Commision & i also have enclosed copies of the Federal Trade Commsions Idenify Thef Affidavit, please delete 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 non-monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
Under 15 U.S.C 1681i ( XXXX ) method of verification, this account is in violation ; it was reported without valid evidence. Also, I had no knowledge of this account.

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 2022-07-03 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: NC

Complaint narrative:
My identity was used for a mortgage and I want it removed from my report on XXXX XXXX services Account number # 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 2022-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i writing to delete the follwing imformation in my file. the items i need deleted are listed in rbe report. i am a victim of idneity theft & did not make the charge. i ask that the items be deleted to correct my credit report.i reported the theft of my idenity to the Federal Trade Commision & i also have enclosed copies of the Federal Trade Commsions Idenify Thef Affidavit, please delete 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 non-monetary relief
Consumer complaint received 2022-07-03 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: PA

Complaint narrative:
i writing to delete the follwing imformation in my file. the items i need deleted are listed in rbe report. i am a victim of idneity theft & did not make the charge. i ask that the items be deleted to correct my credit report.i reported the theft of my idenity to the Federal Trade Commision & i also have enclosed copies of the Federal Trade Commsions Idenify Thef Affidavit, please delete items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been trying to get the title to my semi-truck since XXXX of 2022 from the lein-holder they have given me the run around which has cost me I. Storage of the vehicle and also several potential customers. I have been unable to sell the vehicle due to the neglect of the lein-holder. I paid off the vehicle and simply want my title. Well Fargo based on what was mentioned to me commercial department was sold to some other company they can't even pull the account by the loan number. This doesn't make sense. I have been disregarded with out concern of the financial damage to me.I would never recommend Wells Fargo to anyone with the continued bad press they have received in the press you would think they would try to have better customer service.

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 2022-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SouthLaw, P.C.
State: MO

Complaint narrative:
Get a cup of coffee it is very long. 
First this forclousure is on a debt that's over 20 years old. 

In XXXX of 2022 I went to work on Sundar evening as I work third shift. I opened my gate to leave and I noticed a realtor yard sign in my neighbors pasture with my address hand written on the realtor sign. I was puzzled but did not bother it. as it was on my neighbors land. So the next evening I left for work and on the inside of my gated driveway was a XXXX XXXX XXXX big thick envelope. I opened it and inside that envelope was a white envelope the was exactly like the one on the realtors yard sign. So I opened it up and it stated. 

( From XXXX ) On XX/XX/2022 there was a public auction at the county courthouse for property located at XXXX XXXX XXXX XXXX XXXX, MO. 
We have attached a copy of the sale notice that was published in a local newspaper. 
There were 5 bidders present besides the lender that ordered the sale. I think all of us were smaller private investors that buy a smaller number of properties each year. Four of the five bidders made bids at the live public auction on the home. XXXX ended up being the winning bidder. We should receive the deed in less than 30 days from the trustee. 
WE plan to offer the home and land for sale. It has always been our courtesy policy to offer the opportunity to buy the home to previous oweners first when the property is occupied at auction time. Would you have interest in buying the home? 
We have reached out and paid for insurance on the property to protect our investment. 
Wer are hoping you will have interest in buying. We would sell it to you for a lot less than we would sell it to anyone else. 
Please feel free to reach out with questions by calling or texting XXXX. Texting is usually a quicker and easier way to communicate for us but we'er avaliable for phone calls also. 

Thats the letter I got in the envelope. I had no process of service, no dunning letter from the debt collector. And no judgement filed against me or my property. None. We proved that by mailing a sunshine law request to our XXXXXXXX County Court Clerk. And we had a professional Title company do a title search to check if there were any Judgements. None. 
I hired two law firms with three attorneys handling my case and all three abandoned my case and put in a motion to withdraw after I demanded the attorneys assign another company called Southlaw as primary defendent and XXXX  as co-defendent. 

So now I have to do it myself. 

This has been going on now since XXXX of this year. I also sent off a ( QUR ) qualified written rerquest. to Southlaw, XXXX and their attorney, and everyone on the assignment that was on my title from the XXXX County Recoreder of deeds. I received nothing back from any of them as to validate the debt. 

I'll stop here and let you people do the rest. 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: WI

Complaint narrative:
I submitted a dispute regardding account XXXX XXXX with the 3 major credit bureaus. I heard back from XXXX and XXXX in a timely manner and the deletion of the account. Experian however did not get back to me in that timely manner, it has been a good 40-50 days, and they also did not delete the account like the other credit bureaus did. They are not above the law and the false reporting they are doing on thier end is really hurting my life.

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