vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: STANDARD MORTGAGE CORPORATION
State: TX

Complaint narrative:
Our mortgage provided through XXXX, XXXX XXXX switched lenders from XXXX XXXX XXXX to Standard mortgage corporation ( around XX/XX/22 ). Upon transferring standard mortgage corporation has not been reporting our mortgage details to the credit reporting bureaus. We've called several times ( XX/XX/22, XX/XX/22 ) inquiring and they mentioned it's standard for transferring lenders, and it should be reported in 60 days. 60 days has since elapsed and our mortgage is still not being reported.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: OH

Complaint narrative:
I requested validation from the bureau for the fraudulent account through the original contract. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2022-06-09 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I purchased a treadmill using Affirm financing. The treadmill purchased went through a recall and was returned to the company in XXXX of XXXX. The treadmill company sent Affirm the refund and the loan account XXXX was adjusted on XX/XX/2022. Affirm refunded {$1800.00} to a card I have on file. I was then told the remainder of the refund amount totaling {$1400.00} would be sent to me by check. This was on XX/XX/2022. They asked me to confirm my mailing address, which I did and they then informed me that I should have the check in XXXX business days. 

On XX/XX/2022 I reached back out to let them know that I had not yet received the check. I received the reply that stated After further review, I can see on XXXXyou were sent a refund check in the amount of {$1400.00}. At this time, we are working with our refunds team to locate and verify the status of this check. Once located, they have the ability to void it and issue a new check in the same amount to the address we have on file. 

On XX/XX/2022 I was told We received a response from our Customer Refunds team. They have voided the previous check of {$1400.00}. We are issuing you a new check. Please allow 7 to 10 days to receive this check. Our checks are sent via United States postal Service ( USPS ), so no tracking number is available, but I assure you we are getting your check to you as soon as possible. 

The date is now XX/XX/2022 and I have still not received this refund check to my mailing address on file that is confirmed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: FL

Complaint narrative:
In accordance with the fair credit 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.

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 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Received a call from Chase Bank on XX/XX/31 regarding possible fraudulent transactions that they caught. I told them that those transactions were not me and they marked them as fraudulent. I was told by the worker that my debit card would be deactivated and that a new one would be sent to me in 2-3 business days. On XXXX I had not received my new card, and needed to buy groceries, so I went to a Chase branch near my house and withdrew {$50.00}. After I got home from the grocery store I checked my bank account and saw that someone, who was not me, had called Chase and transferred {$1400.00} out of my savings account and put it into my checking account. Then, {$1300.00} was withdrawn from my checking account at a branch and two ATM withdraws ( one for {$240.00} and another for {$260.00} ) were also completed. These transactions were done in XXXX, Georgia ( I live in XXXX XXXX, Ohio ). I immediately called Chase and filed two claims, one on the {$1300.00} through their Check Claims Department and another for the two ATM withdraws with their regular Claims Department. Once the claims were filed, I had Chase freeze my checking account until the claims could be completed. After my conversation with the claims departments, I noticed that the {$600.00} from the ATM withdraws was put back into my checking account. On XXXX I received a letter from Chase in which they said that my {$600.00} claim was denied. When I asked for the reason, I was told it was because the new debit card that they were sending me was compromised in transit and whoever got it managed to also get my PIN number. I never received the replacement card and changing the PIN number was never offered to me during the initial phone conversation on XX/XX/31. I explained to the Chase worker that those withdraws could not have been me because I was in Ohio at the time, he told me that I would have to submit " supporting evidence '' that I was not in XXXX at the time, even though Chase has a receipt for my {$50.00} withdraw that I completed at a branch on XXXX and signed for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 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: OH

Complaint narrative:
I requested validation from the bureau for the fraudulent account through the original contract. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights 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. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-09 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: CA

Complaint narrative:
I have filed a police report and supplied it to Equifax, XXXX, and XXXX. I have filed my FTC identity theft report as well. They refuse to remove these accounts that are clearly Fraud!!!. I have asked these companies to validate this debt and they can not!! But when I submit it to the credit bureaus to fix it somehow comes back verified how? This timeshare account which is definitely not a mortgage keeps coming back to me when my ex-husband opened the account, not me. I have shown all 3 credit bureaus to fix this and they will not. The company has already been reported to the FTC for its shady practices but, the credit bureaus won't help me at all. They have reported this on me but not my ex-husband the person who actually open the account. These things clearly violate my rights under the FCRA. I want this gross neglect fixed ASAP. Here are the accounts in question : XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX Original creditors : XXXX XXXX, XXXX XXXX XXXX, and XXXX bank. I want to add the police arrested the individual who did this to me as well. He was arrested in Colorado while I live in California. He not only had my information making fake driver 's licenses but he also had the information of over 50 people doing the same to them. I have supplied enough proof to show this isn't my information. I have over 100 fraud inquiries as well that they won't remove. 


I would like to add Equifax has already deleted the following account but the other 2 credit bureaus have not : XXXX XXXX XXXX this company has lied so many times and reported wrong as well. this account actually belongs to my ex-husband as well not me!!!!!! 


My next step will be legal action against the credit bureaus and these credit furnishers if these errors are not fixed within 30 days as per my right under the FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent an Affidavit of Truth and an Invoice to Midland Credit Management, here is the tracking # XXXX, XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX, XXXX tracking number $ XXXX. They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX  has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act convergent these Inquiries has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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 Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act convergent these Inquiries has violated my rights. 
XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
opened XXXX  account in XX/XX/XXXX, Because you could pay your rent and not have to pay the normal fee associated with paying with credit card, I paid XXXX on XX/XX/XXXX and it worked fine then on XX/XX/XXXX i paid XXXX went through but six days later came back though my apartment complex NSF so now have XXXX nsf check charge and also a late charge of XXXX, Now I can not use a check any more with my apartment complex because of the check being insufficient funds. this was suppose to make it better for me now it is a big problem

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 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I notified Genesis dba Columbia Debt Recovery verbally by phone and email that I do not owe this debt. They are attempting to collect a debt from XXXX XXXX XXXX  which upon looking them up is an apartment complex in Texas. I advised them that I have no idea who they are and have never done business with them. I am born and raised in Alabama and have never lived outside of Alabama so I have no idea where this debt is coming from. I've asked them to stop contacting me and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: IL

Complaint narrative:
My rights have been violated 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.

15 U.S.C. 1692C

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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Block, Inc.
State: NY

Complaint narrative:
I received a letter from the IRS in XXXX this year. It is a XXXX notice for tax year 2020. The letter states that a company called SQUARE , INC reported to the IRS that I made {$77000.00} income that year. Because of this I owe tax to the IRS in the amount of {$19000.00}. 

For the record, I have never worked at Square , Inc. Someone fraudulently used my social security number, DOB, and name. I contacted the IRS about it. I also asked XXXX XXXX XXXX to investigate this fraud. Square company told me they had my SSN, DOB and name, which are enough to prove my identity. I told them that with so many data breaches in recent years, this personal information is now an open secret, so anyone can get it on the dark web. I asked them to give evidence to prove that the person using my identity to make this income is truly me. Square company told me that they are not responsible for investigating this, that I need to find police to investigate this. 

Square company did not do a diligent background investigation when they hired people online. When someone used my identity to get hired at Square, it was Square that failed to stop fraud crime. Now Square continues to act irresponsibly toward victims of their negligence. 

Address of SQUARE , INC XXXX XXXX XXXX XXXX XXXX, CA XXXX tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX credit investigation report that was mailed to me shows two fraudelent duplicate items removed.

But my online report on XX/XX/XXXX shows only one of the two duplicate items removed and one remains

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation