vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I was scammed by someone who claimed that he was purchasing the furniture I was selling on XXXX. On XX/XX/XXXX, He send me a cashier 's check of {$1900.00} which was way more than he should pay me and told me that he was in New York and he needed my assistance to pay the deliver service, that's why he mailed me a check with the amount more than the cost for the furniture. He asked me to pay the deliver service via XXXX with two different transactions ( {$1000.00} and {$670.00} ). I deposited the cashier 's check and it showed a credit of {$1900.00} on my bank account so I made the XXXX payment for a total of {$1600.00}. Right afterwards, I called my local police department about the big check and I was told it is a scam. So I called my bank right away and asked to stop the payments. On They said that they can not stop it and asked me to file a dispute later. On XX/XX/XXXX, the cashier 's check of {$1900.00} was returned. I sent a disputes later in XXXX. However, Ally closed the disputes on XX/XX/XXXX saying that the transaction was completed with a merchant with whom " I had established a relationship ''. But this was not true. I was lied to by the scammer to send the money to the deliver service with the email address and the person whom I had not contacted with or verify. Such " deliver service '' never existed. And after I sent the payments on XXXX, the scammer disappeared. When I tried to request the money back from the email address, it says it is not existing anymore. I had requested them to invested it again and on XX/XX/XXXX, they sent me the exact same reason why they would not get my money back. The transactions were sent to person named " XXXX XXXX '' with email XXXX, which I was told by the scammer. I contacted XXXX for the receiving bank information. The receiving bank is XXXX  XXXX XXXX, and they also told me the transaction numbers for the two payments. One is XXXX ( {$670.00}, XXXX confirmation number ), the second one is XXXX ( {$1000.00}, XXXX ). The police report with XXXX County Police Department of Maryland is XXXX, with the police officer badge # XXXX, their phone is XXXX. His handwritten last name is unclear to me. 
The communication with the scammer was in text messages but they were lost.

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 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XX/XX/2021 XXXX taken out of XXXX  XXXX XXXX account through zelle to an unknown XXXX XXXX account. XXXX  XXXX XXXX filed a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: FL

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-21 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: OneMain Finance Corporation
State: GA

Complaint narrative:
ONEMAIN Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Auto Financing Companies Contact info XXXX XXXX XXXX XXXX, AZ XXXX To whom it may concern : I have been contacted by your company about a debt you allege I owe.

I am instructing you not to contact me any further in connection with this debt.

Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with MIDLAND CREDIT XXXX plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to XXXX who, in turn transferred it XXXX XXXX on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted XXXX and they said I could fill out the forms for a refund or when they transfer the loan to XXXX XXXX, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at XXXX and XXXX XXXX over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that XXXX XXXX, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed XXXX XXXX and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX ) The Loan may be under The XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to Dovenmuehle who, in turn transferred it XXXX XXXX on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted Dovenmuehl and they said I could fill out the forms for a refund or when they transfer the loan to XXXX XXXX, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at Dovenmuehle and XXXX XXXX over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that XXXX XXXX, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed XXXX XXXX and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX  ) The Loan may be under The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 and with no notice, my debit card stopped working and no longer appeared in the mobile application. When I called Wells Fargo to inquire, I was told that the bank had decided to cancel my debit card, leaving me with an account with no debit card or checks since I never had any checks with the account to begin with. I was further told that the account would remain open but could only be accessed in person at a branch location. Not super convenient or Cuatomer oriented. Maybe online bill pay will work but Im not overly confident about that.

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 2021-07-21 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:
This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.

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 2021-07-21 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:
This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Nelnet, Inc.
State: TX

Complaint narrative:
This would be my 2nd complaint about Great Lakes. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the Great Lakes stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) Great Lakes has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation