vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: GA

Complaint narrative:
I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EACH BUREAU AABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THESE ACCOUNTS DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF THESE BUREAUS EXPERIAN XXXX AND XXXX  CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED XXXX  THEY HAVE CAUSED ME

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 2021-05-18 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: CA

Complaint narrative:
There are 4 inquiries on my credit report showing up on all three bureaus that do not belong to me I have tried solving this with the bureaus as well as the furnishers but they will not help me I need to remove these from my credit account since they do not belong to me I have not authorized or know what these inquiries are for. 

XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-18 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: CA

Complaint narrative:
There are 4 inquiries on my credit report showing up on all three bureaus that do not belong to me I have tried solving this with the bureaus as well as the furnishers but they will not help me I need to remove these from my credit account since they do not belong to me I have not authorized or know what these inquiries are for. 

XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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:
In XX/XX/XXXX, we got a XXXX XXXX Credit Card to purchase 2 refrigerators. Putting them on the card allowed us to get a good discount. On XX/XX/XXXX, we spoke with an agent who gave us the payoff amount and we paid the balance in full. On XX/XX/XXXX, we were billed an additional {$42.00} late fee, which was incorrect. We disputed this charge with XXXX XXXX Credit Card, but eventually paid it after being threatened that if we did not pay it, it would go on our credit report. We paid the {$42.00}, and our balance was {$0.00}. But now XXXX XXXX Credit Card has reported this to our credit. We have asked numerous times to have this removed, only to be put on hold and disconnected from the call each time. Based on this terrible bait-and-switch service and fraudulent treatment on the part of XXXX XXXX Credit Card, we have asked several times to close our account, yet as of today ( XX/XX/XXXX ), our account is still open with a fully available credit limit. The treatment we received is clearly unfair and deceptive, and is consistent across everyone we spoke to ( even after spending an excruciating amount of time trying to get to a live agent ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I received a letter from The Huntington National Bank dated XX/XX/2021. The letter was received XX/XX/2021. A copy is enclosed. The letter was a confirmation regarding a new Asterisk-Free checking account. I did not open this account. 

This is a fraud scheme. 

I called the Bank today and spoke to a MsXXXX XXXX XXXX. She confirmed that my social security number had been used to open this account. She stated that the matter would be referred to the Bank 's Fraud Investigation Unit. The Reference number given to me is XXXX. 

I decided to also send this Complaint to your office. 

The Bank Officer advised me to destroy the Debit or AM Card, if received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My loan at XXXX XXXX  was transferred to Loancare LLC for servicing in or about XX/XX/2021. Since then, Loancare LLC has refused to credit my payments to my loan, and has instead been misappropriating the funds and claiming that the loan is delinquent. I have spoken to customer service agents at least 5 times and sent a letter by US mail asking Loancare to apply the payments I have made in XXXX, XXXX, and XX/XX/2021. The phone service representatives claim a " mistake '' was made and that it will be fixed and the payments will be correctly applied. But this has been going on for months with no resolution - nothing is ever fixed, and Loancare continues to keep my payments without crediting them to the interest and principal of the loan despite my frequent express directions via telephone and via letter to credit them appropriately. Loancare also stopped sending me monthly statements by mail or online, apparently in an effort to conceal its fraudulent scheme. This company is a scam.

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 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IA

Complaint narrative:
XX/XX/2021 {$830.00} Unauthorized banking transactions, US Bank decided without our notification or approval to provide us money so we could receive our full stimulus money. Upon giving us money again without our consent or notification, has now taken over {$800.00} of our money away having now left our banking account in the negative which will allow them to take over draft fees at their own convenience further putting our bank account in the negative. We have bills that need paid, we are unable to pay bills and US Bank claims there is NOTHING they can do because they sent out notifications on this. They did not, we did not get any notifications on this matter and we would have certainly not given our consent 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 explanation
Consumer complaint received 2021-05-18 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 XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( 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. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account, & its multiple balances and balance updates reported on XXXX XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: OK

Complaint narrative:
I RECENTLY DISPUTED CONSUMER ADJUSTMENT CO EARLIER THIS YEAR ABOUT A COLLECTION THAT THEY CLAIM THAT I DID OWE. IN RESULT OF THE DISPUTE THEY COULD NOT PROVIDE ME WITH VALID INFORMATION CLAIMING THAT I OWE THEM THE DEBT. 
CONSUMER ADJUSTMENT CO XXXX {$620.00} I WOULD LIKE THIS COMPANY TO PROVIDE ME A COPY WITH MY SIGNATURE OF THE ORIGINAL DEBT AND THE RIGHT AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Paypal sent me an email stating someone charged XXXX on my account and to call to get help. He wanted to refund my money and the next thing that happened was instead of putting XXXX back, he put XXXX and he said I could not transfer the money back and that I had to buy gift cards to make up the XXXX. I went to XXXX and got XXXX XXXX gift cards with my bank card and XXXX XXXX XXXX gift cards, XXXX. Then went to XXXX and bought XXXX XXXX gift cards and paid cash for them. Before I realized what was happening, I scratched off the # on back of the cards, took a picture of the cards and emailed them to him. After I realized what was happening, he got the XXXX XXXX cards and XXXX in XXXX XXXX  cards. I called my credit union and asked them to freeze my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reported to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. I have also included the law for the mentioned account showing I was the original creditor and no debt was/is owed to the alleged debt collector. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( 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. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

Under 15 U.S.C 1691a Definitions ; Rules of Construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
( e ) The Term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 



As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2014, CLOSED AND CHARGED OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Card was charged for something you did not purchase with the card
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/2021 I mailed ( mail number XXXX ) an affidavit of truth stating facts, under the penalty of perjury, what consumer violations EXETER FINANCE committed. I also requested Debt Validation pursuant to 15 USC 1692g, an audit trail according to GAAP standards, a Cease and Desist letter pursuant to 15 USC 1692c, and exhibits that displayed only a few of the many EXETER FINANCE VIOLATIONS. I filed a CFPB complaint ( XXXX and XXXX ) and an FTC complaint ( XXXX ) in regard to this matter. I filed a complaint with the OCC ( Transaction ID : XXXX ) as well.The mail I sent to EXETER FINANCE was received on XX/XX/2021. EXETER FINANCE did not validate the alleged debt whatsoever. They still have not produced any documentation, contract or agreement that validates this alleged debt as of XX/XX/2021. They violated my Cease and Desist by not only calling me at unusual times and places, but also leaving me voicemails using profane and obscene language. My phone number is in the do not call registry. EXETER FINANCE mailed me postcards and billings to my personal address after receiving the cease and desist letter. and EXETER FINANCE further infringed upon my natural born consumer rights by still reporting to consumer reporting agencies in violation of the cease and desist and without validating this alleged debt. It has now been almost 60 days to which this company has been notified of their violations and instructed in my enforcement as the consumer and original creditor. They refused to provide paperwork for the rights to rescission as outlined in TRUTH IN LENDING ACT. There is no contract or agreement between myself and EXETER FINANCE. They stole my identity, committed fraud and are illegally billing me without my consent. They are in violation of 15 USC 1601 TRUTH IN LENDING ACT, 15 USC 1681 FAIR CREDIT REPORTING ACT and the 15 USC 1692 FAIR DEBT COLLECTION PRACTICES ACT. If EXETER FINANCE feels otherwise then they should have the President, owner or major shareholder swear under the penalty of perjury that what is true or untrue. It has been past 30 days without validation and the infringement of my rights continues to this day and is causing me great pain. EXETER FINANCE recently reported to the credit reporting agencies and defamed my character in direct violation of federal law. I have a right to privacy, fair, accurate reporting and fair debt collection practices. I demanded proof to this alleged debt, to which nothing has been provided. EXETER FINANCE is blatantly, and unequivocally, disregarding federal laws, being willfully non-compliant and being grossly negligent in many instances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint narrative:
I had {$4200.00} in savings at Wells Fargo, in 6 weeks a cloned card wiped out my account, the bank never sent me a notification of suspicious activity, even when the employee at my branch informed me there was a " suspicious activity '' flag in my account. Also the cloned card had a different expiration date than my actual card ( which I have XXXX, the bank once my account was in zero, closed it, they even charged me " Excess activity fee '' every day as my account was being robbed.

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 2021-05-18 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: GA

Complaint narrative:
I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EACH BUREAU AABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THESE ACCOUNTS DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF THESE BUREAUS XXXX EQUIFAX AND XXXX CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED XXXX THEY HAVE CAUSED ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Very simple : I applied for the AMEX Gold card and was somehow approved for AMEX Platinum. I brought up as much with customer care, who seem XXXX on either having me keep a card I didn't want or having me cancel and reapply for Gold which of course would have my credit hard pulled again. 

They insist that they can do nothing more, which I am certain isn't true, and refuse to do anything more about it besides a 6-8 week investigation. During which, I am stuck with a card I never asked for and a credit ding with no new card. 

They have made no meaningful effort to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: MA

Complaint narrative:
I disputed an account reported in the file maintain under my social security number. 
I was informed that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the Fair Credit Reporting Act, they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. They are violating the law.

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 2021-05-18 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: GA

Complaint narrative:
I ordered all 3credit reports for this year, I received 2 but did not get equifax wrote me that I had been sent my free report for this year, I called them twice and told them I had not received it. They are asking me to send them a bunch. Of stuff. I tried to get one last year same problem What do I do XXXX orXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: GA

Complaint narrative:
I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNTS ON MY CREDIT REPORT. THESE ILLEGAL ACCOUNTS ARE NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED TRANSUNION ABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THESE ACCOUNTS. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THIS ACCOUNT DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF TRANSUNION CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED STRESS THEY HAVE CAUSED ME

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 2021-05-18 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: AZ

Complaint narrative:
Equifax is violating laws, I have submitted several complaints and disputes and I dont believe that theres been actual investigations on these accounts as they still reporting inaccurate and Equifax has failed to furnish any documentation that prove they are reported correctly. I have submitted factual data disputes with inaccurate balances, date last active, high credit, and etc. On XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I was given results from Equifax stating the accounts in question are 100 % accurate which is false, as I have submitted my credit reports with the highlighted inaccurate and inconsistent information and they are still not removed. 

These inaccurate accounts are causing mental stress to my life, because Equifax keeps telling me that Im wrong when Im sending the bureau info taken directly from my credit report! This is what Equifax is reporting and Im pointing out the errors and inconsistencies, so how am I wrong when its what you are showing to me. These errors on are making it hard for me to obtain new credit and Equifax is reporting inaccurate accounts and keeping them on my account is violating the FCRA and FTC laws. I have attached my credit report with the highlighted inaccurate accounts with errors on my credit report. I demand these inaccurate accounts be Deleted Immediately

Company response to consumer: Closed with explanation