vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 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:
I asked Equifax to look into incorrect information on a reported account- XXXX account # XXXX. Equifax sent an email 2 hours later stating that everything was correct. Equifax did not contact XXXX to verify information. This account was never paid late. The information in the report is incorrect. Equifax did not take the time to conduct a proper investigation and as such has violated my rights. 

In accordance with the Fair Credit reporting act XXXX account # XXXX has violated my rights. 

15 U.C.S 1681 section 602 A. states I have the right tom privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
I went to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Texas on XX/XX/XXXX. The representative XXXX from XXXX XXXX through pressure selling convinced us to apply for credit in the event we decided to purchase from them. Because of the high pressure selling we left the show. She messaged us late advising us that she could take our financial information over the phone. She messaged us back on XX/XX/XXXX ( Sunday ), to see if we were still interested. She later called us back on XXXX XXXX and stated that since we had gone to XXXXXXXX XXXX which she was a representative, she could take our financial information over the phone. We were approved for XXXX not knowing anything about Greensky. She had told us that the hot tub we were initially looking at would be {$160.00} a month through this lender. She sent documents to be XXXX, but because I had not received financial details I did not complete or sign the documents. She contacted us on XX/XX/XXXX inquiring if we had signed the documents. I explained that I had questions regarding the loan and contract. On XX/XX/XXXX she texted me the number to Greensky. The representative was rude and unprofessional and told me that I would receive documents in the mail. I received the documents today XX/XX/XXXX. I have never signed anything with Greensky, and i now have a loan for {$15000.00} paying {$200.00} for 113 months costing me {$9000.00} over the life of the loan which will total {$24000.00}. The cost APR for credit is 9.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at 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 and 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 2022-06-29 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX AT XXXX XXXX XXXX XXXX XXXX at 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 and account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Incorporated managed to infiltrate my place of employment and garnish wages from my pay. Transworld Systems Inc. sent my previous employer and Administrative Wage Garnishment document that stated that they had the authority to garnish wages from my pay. My employer allowed the garnishment to go through due to this form. I reached out to the Department of Treasury several times and was told that they did not have an account for garnishment for me nor had Transworld Systems been hired by them to collect a debt. The Department of Treasury and federal law states that collectors still have to abide by federal and state laws etc. I reside in the state of Texas. I reached out to the state representative and the attorney general 's office and was informed that it was unconstitutional to garnish for anything other than child support and spousal support in the state of Texas. As a result of this action, even more negative and counterproductive events took place at my place of employment. Federal law states that collectors have to abide by the state laws and do not have the authority to submit an Administrative wage garnishment if hired by the federal agency separately. I was also not afforded the opportunity to dispute the amount or the debt and when I called Transworld Systems they would not provide me with a hearing packet. I was also told that hearing requests are on a case by case basis on administrative wage garnishments. Federal law states that hearing requests packets must be sent to the debtor 's last known address for administrative wage garnishments. Transworld Systems had knowledge of my current address. I had no way around disputing or defending myself against the debt. This event contributed to the resignation of my employment. 
They are attempting to collect the debt for the XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB agent, The last couple of years I've been noticing changes to my credit report that are not accurate. I noticed that there are some inquiries that I don't recognize or authorized. the companies are the follows : ( XXXX XXXX ) who added an inquiry on my report on XX/XX/XXXX. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who added an inquiry on XX/XX/XXXX ( XXXX  XXXX XXXX XXXX  ) who added an inquiry on XX/XX/XXXX please help me remove those items from my report. 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 2022-06-29 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: Nelnet, Inc.
State: GA

Complaint narrative:
I HAVE A STUDENT REPPORTIG ON MY CREDIT REPORT THAT I DO NOT OWN AND I NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX # XXXX and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-29 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: CA

Complaint narrative:
I have been a victim of identity theft and I have an unauthorized account from XXXX  XXXX that doesn't belong to me as well as 20 plus inquiries that don't belong to me and were unauthorized

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 2022-06-29 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: SLM CORPORATION
State: AZ

Complaint narrative:
I have been attempting to get the inquiry from Sallie Mae off my credit report since XX/XX/2021. I have called them and spoke to " XXXX '' in XXXX who stated she was documenting as fraud and would forward this to their fraud department. The inquiry stays on. I mailed a letter to Sallie Mae advising this was fraud and requesting they take off the inquiry. They responded saying it was valid and to contact them if fraud. This company has been contacted by me, sent letters by me and refuses to assist. Their fraud service number is always unable to go at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 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: GA

Complaint narrative:
The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an 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 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE A STUDENT REPPORTIG ON MY CREDIT REPORT THAT I DO NOT OWN AND I NEEDS TO BE REMOVED 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 2022-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
Flagstar Bank has been charging me XXXX XXXX for months for " insurance ''. They just added the fee and expect me to pay it, without even calling me. 

I have had homeowner 's insurance for 19 years with ZERO lapses in coverage. Flagstar is the most incompetent institution I've dealt with. They never take accountability or responsibility for their actions and inaction. Honestly, I have no idea what these people do all day. They are thieves. 

My homeowner 's insurance is through XXXX XXXX ( XXXX ) : XXXX XXXX : XXXX How is it legal for Flagstar to just add unnecessary fees to my account? 

It should be noted that this same inept institution allowed my home to be sold at a tax sale close to TWO years after telling me they paid the property taxes that they did not. I have never had a late payment and can not understand why I'm supposed to just pay them every month when they can not complete simple tasks as a servicer? 

I have had no less than 5 different servicers and NONE are even close to as amateurish and unskilled as Flagstar Bank.

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 2022-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I've been attempting to get a replacement card from fortiva credit card for months now. I now have to reach out to you guys because fortiva credit card company has been screwing me around with a replacement card for months. I believe it all started back in XXXX maybe XXXX and I had reached out here and there in attempts to get my card replaced I'm very upset I am a XXXX vet who served in the XXXX XXXX I'm diagnosed with XXXX and XXXX XXXX syndrome. The last thing I wanted as a small business owner is to be ignored by my credit card company where we have a contract for services. It is now come to a point where I have to involve the CFPB to get to comply with the original contract. 
I have made attempts to resolve this with them in the past but the only documentation I have is on the XXXX of XX/XX/XXXX of XXXX. In between those dates I had also made two phone calls, unfortunately I do not recall those dates. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
I canceled my two cards I have with Genesis fs card services XXXX XXXX XXXX XXXX. OR XXXX In XX/XX/2022 because of the high payments and after trying to get a lower payment I decided I cancel my cards and I was told I would not get charged any interest or fees but that was a lie I made a half a payment in XXXX and they said as long as I made my full XXXX dollar payment in XXXX I would be all up to date that was a lie too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I applied for XXXX XXXX  XXXX through my state,. I was denied because Flagstar reported back to my state that I had a choice between loan modification or HAF. To my knowledge I was never given a choice. In fact up until I was told Flagstars response by my state, Flagstar had no knowledge of the XXXX in several phone conversations I had with their representative as far back as XXXX of 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 2022-06-29 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: AZ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: AZ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.

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 2022-06-29 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: CA

Complaint narrative:
I have been a victim of identity theft and I have an unauthorized account from XXXX  XXXX that doesn't belong to me as well as 20 plus inquiries that don't belong to me and were unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: CA

Complaint narrative:
I have been a victim of identity theft and I have an unauthorized account from XXXX  XXXX that doesn't belong to me as well as 20 plus inquiries that don't belong to me and were unauthorized

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 2022-06-29 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-29 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: MI

Complaint narrative:
In accordance with The Fair credit reporting act XXXX account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXXt XXXX bank {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXXXXXX XXXX webbank XXXX XXXXXXXX {$3900.00} # XXXX XXXX XXXX XXXX XXXX {$870.00} # XXXX Absolute resolution XXXX XXXX XXXX {$1800.00} # XXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information 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 2022-06-29 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: MI

Complaint narrative:
In accordance with The Fair credit reporting act XXXX  account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXX  XXXXXXXX XXXX {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} # XXXX XXXX XXXX XXXXXXXX XXXX  {$870.00} # XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX {$1800.00} # XXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information without my written instructions.

Company response to consumer: Closed with explanation