vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-23 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I CHECKED MY CREDIT REPORT AND FOUND THAT IM A VICTIM OF IDENTITY THEFT. I CALLED THE COMPANIES AND THEY SAY I NEED TO FILE A COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Affirm Holdings, Inc
State: AE

Complaint narrative:
To Whom It May Concern : An account was open with Affirm Inc with an open date of XXXX that I didnt open. This company excepted information online without doing a proper identity background test by requesting proof of identity such as passport or drivers license to verify who they were actually dealing with and thus allowed a thief to open an account using some of my credentials. As a side note when trying to contact Affirm Inc, I was not able to talk to an XXXX XXXX. They are using an out-source call service with no direct connection to the parent company. 
I have the same complain with XXXX XXXX XXXX  XXXX who allowed a thief to open an account in my name without verifying their credentials. They in turn sold the debt to XXXX XXXX XXXX who I contacted and explain that this debt wasnt mine and that I was a victim of identity theft. However, they have refused to remove it from my credit report nor have they even attempted to investigate my claims of fraud and just ignored me. They also are using out-sourcing call center to shield the parent company from complaints. 
My complaint with XXXX XXXX. I contacted them and after they did their own investigation it was determined that I wasnt responsible for the debt. I would just like for the three credit reporting agencies to completely remove and existence of this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX, XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX XXXX Chapter XXXX bankruptcy discharged Account # XXXX, Chapter XXXX bankruptcy discharged Account # 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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Someone got care credit in my name and also got a credit card in my name in 2020 if 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 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: MI

Complaint narrative:
They call me 3-5 times a day and on numerous times I have requested written communications only. I have requested Debt Validation months ago and still have yet to receive anything. Also call my family member and harass them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Follow up on to case XXXX Today I received the attached paperwork, stating that the refi was denied in part due to a judgement... I have ( XXXX XXXX ) pulled all my credit reports and see nothing... there are no judgements on my account -- why is the mortgage company stating this? They also state in this paperwork that my credit score is XXXX ... it is not, per the credit reports I pulled today? What are they doing?

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX XXXX sold my XXXX  credit card account to Marcus Goldman Sachs. I was cut off from XXXX XXXX on XXXX. Tuesday I was supposed to be able to sign on with my Marcus account. I have had no access ti my account for 5 days now and have gotten no service from Marcus Goldman Sachs. Long wait times on the phone ( Hours ). no call backs and no website service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I am lodging this complaint against The First National Bank, located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Pa XXXX. 

On or about XX/XX/2021, I had a very nice and productive conversation with the assistant branch manager of FNB, XXXX XXXX, relative to a home equity loan. 

I told XXXX XXXX that I wanted to lock in a fixed interest rate before the rates increased. Subsequent phone conversations, and after I submitted the required documentation, we agreed on an interest rate of 2.39 %. Shortly thereafter I received via XXXX mail documentation from XXXX XXXX located in XXXX, PA with a higher rate of 2.79 %. I phoned XXXX XXXX and advised him of the rate of 2.79 %. I was told by XXXX XXXX that the rate increase did not take into account the discounts and perks that would apply. The discounts applied by the local branch would reduce the rate to 2.39 %, as agreed upon. He advised to ignore the higher rate, because it is always adjusted at the local branch, and that it happens all the time. He also said because of my high credit score, and my low loan to value of my home, I qualified for the lower rate. 

After a few more weeks had passed I called XXXX XXXX to inquire about the loan. He told me that he had some very bad news, and that the initial loan rate of 2.39 % was not available to me. The new rate was going to be 2.79 %. He apologized and simply said that his boss would not allow the lower rate. Although he said he was very sorry for what occurred, he never said why the branch perks he offered me were not made available to me. 

The issue here is the amount of time that I was led to believe that the loan would be approved at the rate which was discussed. 

The interest rate did rise and now I am looking at higher rates. This has been been a very tremendously disappointing experience dealing with FNB in XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: AZ

Complaint narrative:
XXXX  XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$2000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$1400.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$230.00}, This account was opened fraudulently, contacted the company and company refused to removed this from my account and is still holding me responsible.

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 2022-02-23 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: AZ

Complaint narrative:
XXXX  XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$2000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$1400.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$230.00}, This account was opened fraudulently, contacted the company and company refused to removed this from my account and is still holding me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Westlake Services, LLC
State: WI

Complaint narrative:
I CHECKED MY CREDIT REPORT AND FOUND THAT IM A VICTIM OF IDENTITY THEFT. I CALLED THE COMPANIES AND THEY SAY I NEED TO FILE A COMPLAINT.

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 2022-02-23 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: Self Financial Inc.
State: WI

Complaint narrative:
I CHECKED MY CREDIT REPORT AND FOUND THAT IM A VICTIM OF IDENTITY THEFT. I CALLED THE COMPANIES AND THEY SAY I NEED TO FILE A COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received from a person a deposit of XXXX for XXXX XXXX in the state of Tennessee for {$6000.00}, on XX/XX/XXXX the money from the XXXX  was available in my account and I proceeded to make a transfer of {$2600.00} to a bank account of the same bank ( direct transfer ), hours later when I checked my account it had a negative balance of {$1800.00} because the XXXX  deposited for {$6000.00} had been returned by false XXXX  according to information from the bank. I called the same day to ask them to return or stop the transfer and the answer was that it couldn't because it was in process, that it had to be completed in order to make a claim. The next day I completed the transfer and called to make a claim and the bank told me that a claim can not be issued because I made the transfer myself. I claimed that I did it because the money was available, but then they left the account in negative, that if the account was negative the transfer should not have gone out. The bank does not want to return the transfer when I explain that the person with the chq and the account to which the {$2600.00} was transferred are the same people, they are scammers. 
My account is negative and the other person being from the same bank has my money, I am asking the bank to block the money in the other person 's account because it is a fraud, but they do nothing Bank : Bank of America

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 2022-02-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I just spoke with a representative from Shellpoint Mortgage loss mitigation today on XX/XX/22 at XXXX EST. I was on a COVID forbearance plan, and I am able to resume payments. I was told that this would not be acceptable, as I used the maximum forbearance time, and I would need to pay 4 months at once. My understanding is that this is not what the law said. If I had been told 4 months ago this would be the case, I would have found a way to make the payments work. This seems predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all XXXX major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. Equifax : 1XXXX XXXX - XX/XX/XXXX ; 2. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 3. XXXX  XXXX- XX/XX/XXXX ; 4. XXXX  XXXX  - XX/XX/XXXX ; 5. XXXX  XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX, XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX , Chapter XXXX bankruptcy discharged Account # XXXX, Chapter XXXX bankruptcy discharged Account # 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 2022-02-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX, XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX , Chapter XXXX bankruptcy discharged Account # XXXX, Chapter XXXX bankruptcy discharged Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation