vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reportingact XXXX  account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information with equifax has been breached. The proof is attached. They refuse to remove the accounts so please remove from my credit report immediately as I was a victim of this data breach. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Along with the 30 hard inquires that are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Someone applied for a mortgage loan in my name and its affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reportingact XXXX account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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 2023-11-28 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: FL

Complaint narrative:
in accordance with the fair credit reportingact XXXX  account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am writing to express my deep disappointment and frustration regarding a collection account that is inaccurately listed on my credit report. I am grateful that you were able to remove the item that I previously disputed to your agency but your company continues to report an erroneous entry that affects my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: LEXISNEXIS
State: IL

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to let you know that these accounts below have long been removed from the XXXX Credit report. These items were found to be placed incorrectly on my files by other credit consulting department and I needed immediate action of REMOVALS for all of them. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX am fully aware that all credit consulting bureaus reports and gathers information to a specific creditor or furnishers of information per account. It just doesnt make sense to me why your department still furnishes these items that should already have been removed from my record. If communications were delivered accordingly, shouldnt they also be aware that these entries should have been long gone from my record, since XXXX no longer has it?

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well i diike the XXXX  monthy fee from Wellsfargo when you have a low balance Just wish the bank would remove the XXXX  Monthly fee to maintain your acc i dont think its fair they just took my money sometimes wellsfargo charge my acc with random fee i dont have or use like uber i dont use uber at all XXXX dollers they took XXXX dollers from my acc randomly on random charges or mistakes it was on XX/XX/XXXX i belive i called the company and they said they would look into it and give me temporary credits but thing like this keeps happening

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The request for this account was not responding for XXXX, i make a request to them about this account few months ago, and they couldnt validate this debt,,,,, please make sure XXXX sent everything about this account as FCRA says XXXX .. Law

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It is rather disheartening that, as a long standing customer and with no prior issues, Bank of America reversed the two XXXX XXXX fraudulently charges totaling {$760.00} posted on XX/XX/2023 and charged them back on my account because The charge was authorized by you or made by someone who has permission to use the card or account. How can this be, if I reported that my wallet was physically stolen from me. 

In fact, within 2 hours after the charges were made on my Debit Card on XX/XX/2023, I notified Bank of America that my wallet was stolen from the zippered compartment of my legal briefcase, while the briefcase was situated in my office within my suite located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. I also filed a police report to report this incident, which is attached here. In addition to the charges on my Bank of America Debit Card, I also had numerous and much larger charges on my XXXX XXXX XXXX XXXX Credit Cards, which were also in my wallet, within minutes of each other. However, XXXX permanently reversed these charges when I reported them as fraud. 

In fact, my attorney colleague whose office was next to mine also had his wallet physically stolen by the same culprit, and precisely the same charges were placed on his credit card account. His bank, however, reversed the charged and permanently credited his account. 

A quick review of my account quickly shows that I did not authorize or place these in-person charges. In fact, the only time I have ever used the Debit Card in person was at XXXX XXXX, since this account is an account to manage the income and expenses related to a rental unit I own. Charges at a clothing store are clearly atypical and unrelated to my rental unit. 

After Bank of America reversed the temporary credit, I faxed a written Request for Reconsideration to ( XXXX ) XXXX on XX/XX/2023. Even though I never received a response to my request, I noticed that Bank of America once again reversed the temporary credits totaling {$760.00} on my account on XX/XX/2023. 

Thus, I am requesting a regulator to inquire from Bank of America further into these matters in light of the clear fraud on my account.

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 monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have tried on several occasions to change my repayment plan from level to extended fixed. I originally requested this in XX/XX/XXXX ( I dont have the exact date given they didnt send receipt ) through mohelas site and repayment calculation tool. Mohela did not process my original claim, nor send any receipt of my request. Instead, they placed my loan into administrative forbearance. After the forbearance period ended they still had not changed my repayment plan. Despite spending hours on the phone I have not been able to contact anyone at Mohela to address this and have resubmitted my request to change ( XX/XX/XXXX ) my repayment plan structure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
FAIR COLLECTION AND OUTSOURCING has a collection account in the amount of {$2100.00} that is reporting on my consumer reports that I do not owe nor am I responsible for. I contacted them on numerous occasions to try to settle this as this is affecting my credit score, I sent them a letter willing to settle this debt to Remove this account from my consumer reports but they are using deceptive language by saying they will close the account and that is not in the agreement of which I sent them. They replied with a letter stating they are willing to settle for XXXX and I sent a final offer letter of settlement of XXXX and then a second letter XXXX since this debt is not mine and I see that they are in violation of FCRA 15 USC 1681 B2 ( permissable purpose use ) so I rescinded my offer and will pursue legal action. It seems this account has resulted from identity theft to which I have provided them a identity theft report to which they have not responded but only responded for me to pay XXXX to settle. My credit reports should not be held hostage in this matter. Even though this debt is not mine they insist I pay an amount that is unreasonable to close the account and not remove it from my consumer report in which I refuse to do. Any errors on a consumer report that is a result of identity theft must be removed from the credit file within 4 days per the FCRA. If this is not done I will be forced to take legal action for the violations FCO has committed.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-28 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: PA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-11-28 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: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian did NOT adhere to the FCRA. The Fair Credit Reporting Act ( FCRA ) is the federal law that, among other rights, gives me the right to dispute incomplete or inaccurate information. The credit reporting company must take certain steps when you notify them of an error. Once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after I've dispute the accuracy or completeness of the information, unless your dispute is frivolous. Experian continues to allow negative inaccurate accounts to reinstate the block that I've already won in disputing with Experian. Experian 's address records reflect the negative credit cards for the address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX. Hence, if I never lived there and then the information is inaccurate and false. Experian 's own address record reflect the same information, then Experian needs to PERMANENTLY block ALL of them even IF these negative accounts tries to reinstate the info back to my report. XXXX XXXX XXXX  Account number XXXX is back on my Experian credit report as well as the XXXX  XXXX XXXX, Acct XXXX XXXXXXXX.

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 2023-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc.
State: WA

Complaint narrative:
in late XXXX I fell ill to XXXX. I had gone the whole pandemic without getting sick and unfortunately when I got it, it was really bad. I was out of work for weeks, and then my XXXX XXXX  got it back-to-back. I was out of work for almost a month with little pay and not being able to qualify for FMLA. We were having trouble catching up on bills, so I called Essex Mortgage and requested the loan be put in forbearance. I asked what happened once we got caught up on the payments. I was told I needed to request to end the forbearance, and it would be in forbearance until I called and officially requested it to be taken out. At that time then they would discuss payment plans if need on any remaining balance. I contacted another agency to apply for HAF funds and was granted those in early XXXX. The HAF funds we received covered our past due and some forward. We were able to resume payments for a short period of time, and then my husband got XXXX in XXXX of XXXX. He ended up suffering long term effects from his XXXX called XXXX XXXX. He was out of work for a few months while trying to regain some strength and get his body healthy. I had called to inquire about payment options as we were struggling with making ends meet. I was told the mortgage was still in forbearance and we would be okay and to make payments when we could and catch up at the end. We ended up making half payments until we were caught back up. In XX/XX/XXXX both my husband and I were involved in a horrific XXXX XXXX. This left both of us in the hospital for months. I called Essex once we were released from the hospital and explained the situation. I was informed that we were no longer in forbearance because Essex had changed its policy regarding forbearance. We were taken out of forbearance without my knowledge or consent. This has been detrimental to our credit and our ability to get back on track. Essex has harmed us by unlawfully taking us out of forbearance and delinquent on the mortgage. It has harmed my credit, as my car was totaled in the accident, and I can not longer obtain a car loan because the mortgage is reporting delinquent. Leaving my family in harm of further loosing employment without reliable transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of XXXX data breach and would like all negative accounts removed and deleted

Company response to consumer: Closed with explanation