vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
After pulling my credit report on XX/XX/XXXX I noticed a fraudulent account for XXXX that was issued by XXXX XXXX, XXXX. After contacting XXXX I was told the account had been sold to a debt collection agency, ERC. On XX/XX/XXXX ERC contacted my via mail for payment of this alleged debt in the amount of {$610.00}. Attached is a copy of my Federal Trade Commission Affidavit report listing the account was opened fraudulently. Ive also contacted my local police department to submit a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2023 I had my garage door repaired. I tried to use my card via XXXX XXXX XXXX so they could get the money sooner. But, my transaction was rejected. So, I called Customer Service to see why. I was told that platform was not an option. Neither was XXXX. Instead, I could go to the bank for a cash advance. I went to the Bank, with Teller assistance we found out that a pin was required, which I was not told till the rejection. The Teller even tried to assist me at the ATM first, before the call to Customer Service. 

The staff there seems not well informed and indifferent. I know I can't be the only person they have treated so carelessly.

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 2023-09-11 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
You have my information incorrect, I cant log into aidvantage so that I can set up my automatic payments. When I enter my social and my birthday, name number etc you all have it incorrect so I am unable to log in my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo does not respect or honor the funds of its customers like it regards its own money. This bank would still expect to be reimbursed for this money if it were their money. Wells Fargo would never just let someone keep the bank 's {$4000.00} regardless of how long or where the other party had possession of it. 

Several of my bank accounts and other online accounts have been hacked over the past 3 years or so by the same people. There were several charges that should have been credited as I complained shortly after they occurred in XXXX, XXXX, XXXX, XXXX, and XXXX. My other banks investigated and took care of the credits to my accounts. But Wells Fargo said they would look into the issue and get back to me. But nothing ever happened. When I went into the bank in XXXX they said they filed another complaint. However, they denied my claims. Still several outstanding charges remain unpaid. I want Wells Fargo to credit my account for the over {$4000.00} in unpaid claims for fraudulent charges occurring in 2022. This has become an urgent situation now.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
, there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
, there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of XXXX5 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello There are so many hard enquiries on my consumer report that I do not recognize Such as Date : XX/XX/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 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 explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive notified these credit bureaus XXXX XXXX and Equifax, several times, and let them know that these specific items from XXXX XXXXXXXX XXXX  and XXXX XXXX, XXXX are fraudulent accounts and should not be reporting to my credit report. Theyre telling me that these accounts are verified, but never send me proof. I need these items deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I co-signed for my daughter to have an operation. She was evidently making payments, but she encountered some problems and stopped paying. She was entered into a long-term drug rehabilitation center and stopped paying CARE CREDIT ( Synchrony Bank ) . I was never informed of this ; however, I was receiving mail for her from Care Credit. I opened the mail since she could not be contacted at that time. I saw that she was delinquent. I called Care Credit and made arrangements to pay the account off with three equal payments of {$370.00} and a final payment of XXXX. 
I added this plan to my Bill Pay with XXXX XXXX to comply with the agreement. XXXX XXXX sent the payments on time as agreed and forgot about that account. Care Credit never contacted me after the agreement. 
I applied for a line-of-credit with XXXX XXXX, and they turned me down because the credit bureaus reported a chargeoff with Care Credit. I investigated this and found that they had received all the payments, but only credited one.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under The New Rule REGULATION F Which Took Effect November 30, 2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.

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 2023-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Selene Finance refused to give me a loan modification, stating that, they would not because of an upcoming sale of my home, which then violated my homeowners bill of rights. 
I then called XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. 
They tried to speak to Selene Finance on my behalf. When applying for a loan modification through XXXX XXXX XXXX Selene Finance came back with a payment of {$4000.00} a month as a new mortgage payment when they know that is entirely out of my reach. 
XXXX XXXX XXXX XXXX XXXX XXXX then directed me to speak with an attorney at XXXX XXXX XXXX XXXX which is a part of XXXX XXXX XXXX XXXX XXXX XXXX  a XXXX stating that they are a faith based organization, which they are not. 
I have been dealing with the Law group since XXXX. I have not once been contacted by my attorney and have spent {$7000.00} to date. 
The Attorneys name is XXXX XXXX. 
He is currently out of the country and I have an upcoming auction date on XX/XX/2023. 
Nobody will return my calls from the XXXX XXXX. 
I feel as though they are trying to help me go into foreclosure rather then helping me try to get out of it. And have paid them money, that can not be accounted for. 
Ive asked for a complete accounting as well as all documentation related to my case over a month ago, and still have not received anything. 
Im constantly getting the run around from all 3 of the entities. But right now, Selene Finance and XXXX XXXX XXXX XXXX are not cooperating with each other and or me. 
I have been left in the dark since XX/XX/2023!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 90 Day Credit Experts
State: CA

Complaint narrative:
I reached out to 90-day credit back in XX/XX/2023. They have not complied with anything on the contract. Then told that I am not paying a company ( XXXX XXXX ) paying XXXX a month that they are in bed with. I had no idea that I had to pay this company as well. I have been paying 90-day credit for 5 months {$150.00} a month ), and I have sent them emails, made phone calls, and left messages. They have not done anything that their contract has stated. I refused to pay them another dime, so I blocked them from my credit card, and they sent me a message stating : Hi XXXX XXXX, this is 90 Day Credit Experts. We were recently notified by your bank you disputed our payments. We will be sending your bank the contracts you signed to reverse the disputed payments. Your account will be sent to a 3rd party collections agency and legal efforts will be made to collect the debt. You will receive a letter in the mail within 30 days if you have any questions contact the number on the letter.

I have not received a letter or a phone number, this was an email.

Company response to consumer: Closed with explanation