vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: NV

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 U.S.C 1681. 

Account : XXXX XXXX XXXX Account number : XXXX Date opened : XXXX, XXXX Account balance : {$6300.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Account Balance : {$3000.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the 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 an accurate.

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 2022-09-30 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I had applied for a car loan in the month of XXXX well I looked at my credit report and I noticed there are a bunch of other inquires on my report from XXXX XXXX, XXXX, XXXXXXXX ally, I was a victim of an inquiry issue and request that these inquires be removed from my credit report and a victim of an inquiry issue

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 2022-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
I received an email from a debt collector ( True Accord ) which stated I owed on a credit card issued by XXXX XXXX Bank XXXX I contacted XXXX XXXX Bank and XXXX them I have never applied, nor been issued a Credit Card from them. They investigated, then still sent me another email through True accord a debt collector. Sent an inquiry again, only to get the same vague copy of XXXX XXXX Bank Credit Card XXXX Uses a very old address of mine and does not specify what was charged on the card. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: AZ

Complaint narrative:
On XXXX XX/XX/2022 I received a letter that was actually mailed on XX/XX/XXXX from home point Mortage. Like I stated, I did not receive the letter till XXXX XXXX. ( Regulation # XXXX ) It made its rounds to at least two or more different houses in our city, before finally coming to me. It was a notice of transfer of servicer. They also changed the loan number. I paid my payment on XX/XX/XXXX and then again on XX/XX/XXXX. Home point mortgage company is reporting my mortgage as 30 day late for the month of XXXX. 
I have never been late with my mortgage payments. I did reach out to XXXX on XX/XX/XXXX, and on XX/XX/XXXX and XX/XX/XXXX, to see if they would be willing to resolve this matter on their end but it was to be no avail. each time I was told to just go through : : XXXX I sent them through the customer support.com the documentation of the photo of the letter that looks like Ive been run over by a truck when it sent to the wrong addresses. The multiple times that I did talk to home point customer service I was told I had to do it through their customer support email and upload my document or any thing else which I did all I kept getting back was automatic responses.. 
Due to this action by Homepoint, Ive not been able to refinance my mortgage and it did decrease my credit score.. 
I am asking for an immediate removal of this from my credit report. once again this is harming me from being able to do a refinance and it has decreased my credit score. Through no fault of myself. 
This is an FHA loan and Ive been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've been trying to open a dispute on my Experian account with Experian directly for over a week, and every time I try, it tells me they're having technical difficulties and can not access my report. I'm paying a monthly subscription for Experian services specifically to access this information when I need to.

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 2022-09-30 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: NJ

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2022-09-30 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: NJ

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX received and accepted through certified mail a dispute for the following accounts : ( XXXX XXXX XXXX  ACCOUNT # XXXX ), ( WORLD FINANCE CORPORATION XXXX XXXX ). XXXX did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, XXXX failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: IL

Complaint narrative:
I called Equifax to have the information they are reporting removed from my report that they were sharing. I also sent 2 letters to Equifax stating that this information should be removed and that the finding of their investigation was not verified. They have refused to comply with the rights that I have as a consumer. The investigation says that XXXX XXXX verified this information. However, XXXX XXXX sent a letter stating that they had removed the information and that Equifax knew and still refused to remove it. The information they are sharing has impacted and continues to impact my reputation and standard of living. Equifax continues violate a number of my rights under 15 USC 1681 even after the source they used removed the information. I have attached the letter showing this information.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021 I purchased {$240.00} of merchandise on Amazon and used XXXX to pay for it. XXXX  loan number XXXX was provided to synchrony who stated they didnt know who XXXX was. synchrony later came back and stated that I applied for an Amazon card. The Amazon card in which I never applied for was sent to an old address in which I havent lived at for almost 5 years. Synchrony continues to send me a bill for an Amazon that I never applied for as well as merchandise that I have already paid for using XXXX. Please resolve 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 2022-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had applied for a car loan in the month of XXXX well I looked at my credit report and I noticed there are a bunch of other inquires on my report from capital one, XXXX, XXXXXXXX XXXX, I was a victim of an inquiry issue and request that these inquires be removed from my credit report and a victim of an inquiry issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NC

Complaint narrative:
I HAVE REVIEWED A COOY OF MY CREDIT REPORT AND THERE IS INFORMATION REPORTING TO MY FILE THAT DOES NOT BELONG TO ME. I HAVE CONTACTED EACH CREDITOR REGARDING THIS MATTER AND THEY HAVE FAILED TO PROVIDE ME WITH ANT ORGINAL SIGNGED CONTRACT UNDER FCRA 609a, STATING THAT I AGREED TO OPEN A ACCOUNT AND PERSONALLY SIGNED MY SIGNATURE AGREEING TO PAY ANY DEBT. UNDER FCRA 605B FRAUDULENT INFORMATION REPORTING TO A CONSUMERS FILE MUST ME PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. I HAVE CONTACTED MY ATTORNEY AND SHOULDN THIS MATTER NOT BE TAKEN CARE OF IN A PROMPT MANNER, I PLAN TO FILE A LAWSUIT AGAINST EACH AGENCY REPORTING FALSE INFORMATION TO MY FILE WHICH HAS CAUSES FINANCIAL HARDSHIP AND STEEAS. PLEASE CONTACT ME BEFORE OPENING ANY ACCOUNTS XXXX THE FOLLOWING INFORMATION DOES NOT BELONG TO ME, PLEASE DELETE IT IMMEDIATELY. 

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 2022-09-30 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: NC

Complaint narrative:
I HAVE REVIEWED A COOY OF MY CREDIT REPORT AND THERE IS INFORMATION REPORTING TO MY FILE THAT DOES NOT BELONG TO ME. I HAVE CONTACTED EACH CREDITOR REGARDING THIS MATTER AND THEY HAVE FAILED TO PROVIDE ME WITH ANT ORGINAL SIGNGED CONTRACT UNDER FCRA 609a, STATING THAT I AGREED TO OPEN A ACCOUNT AND PERSONALLY SIGNED MY SIGNATURE AGREEING TO PAY ANY DEBT. UNDER FCRA 605B FRAUDULENT INFORMATION REPORTING TO A CONSUMERS FILE MUST ME PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. I HAVE CONTACTED MY ATTORNEY AND SHOULDN THIS MATTER NOT BE TAKEN CARE OF IN A PROMPT MANNER, I PLAN TO FILE A LAWSUIT AGAINST EACH AGENCY REPORTING FALSE INFORMATION TO MY FILE WHICH HAS CAUSES FINANCIAL HARDSHIP AND STEEAS. PLEASE CONTACT ME BEFORE OPENING ANY ACCOUNTS XXXX THE FOLLOWING INFORMATION DOES NOT BELONG TO ME, PLEASE DELETE IT IMMEDIATELY. 

XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Good Morning, Please be advised, before reaching out to make a compliant I have reached out to the bank many times. 
On XX/XX/2022, I noticed on my credit report that there was a issue with my mortgage company, when I called the mortagage company, Penny Mac at XXXXpm I spoke to a operator # 1 who informed me that the payment made on XX/XX/2022 which was process on XX/XX/2022 was sent to escrow and not towards the mortgage. I informed the operator # 1 that it was a mistake and that when I made previous payments I used the same method. She then informed me on how to make a proper payment, waive the late fee. 

I then canceled the upcoming payments to avoid the same problem, unfortunately, when I tried to save it for the month of XXXX. I mistakenly entered a payment scheduled for XX/XX/2022. I called Pennymac to informed them of what happened, the operator # 2 then informed me same day transaction could not be canceled, and I would have to call the next business day. The next morning on XX/XX/2022, i called Pennymac bank and spoke to operator # 3 who informed me that I should have called the same day the transaction was made, I informed that I did and they should check there records since all phone calls are recorded. I informed her that operator # 2 told me to call the following day to have it removed. However, operator # 3 said it could not be done, and it would need to be process before the funds are sent back. I then asked to speak to a supervisor or manager. She reported no one was available and they were all in a meeting. I was extremely upset since I had a negative balance for the weekend and needed to make other payments. However, I took the Operators word, and confirmed the funds will be sent back. 

On XX/XX/2022, I called my bank the money was taken out of and explained the situation. They agreed to overturn the overdraft fee. On Wednesday, XX/XX/2022 the funds were returned back, However, on XX/XX/2022 XXXX again took funds out, leaving my account negative. When i called, I was transfer to 4 different people who were unhelpful. 'Finally I spoke to operator # 8, she informed me she was not aware as to why the bank was taking the funds out and was not sure what to do. This is my mortgage company and now I do not feel safe with my funds, and I have to live check to check only to now be negative and be unable to make other payment to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX Equifax received and accepted through certified mail a dispute for the following account : ( XXXX XXXX ACCOUNT # XXXX ). Equifax did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, Equifax failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was contracted by a fraudulent person impersonating my friend on XXXX. The imposter requested {$1800.00} from me to be XXXX to his/her account. The imposter hacked my friends account and was able to pose as her ( same phone number, profile picture etc ) through XXXX. Unbeknownst to me, I assumed it was my friend and sent the money from my checking account with Wellsfargo to the email address given to me by the fraudulent person. Shortly after, my friend contacted me to let me know her XXXX account had been hacked and someone was posing as her. I immediately called Wellsfargo and opened up a ticket with the fraud department. I was told to give them 10 business days to rectify the situation. I did not hear back from my bank, so I decided to call them today, XX/XX/XXXX as today is the XXXX business day. During the phone call with the online banker, I was told that they tried to reach out to the bank that received my funds on XX/XX/XXXX to request the funds be returned and they have not heard anything back. They closed the case and said there is nothing they can do to further assist me.

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 2022-09-30 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: OH

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 U.S.C. 1681 XXXX account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXX XXXX XXXX XXXX account was closed in XXXX {$7800.00} # XXXX XXXX account closed XXXX {$10000.00} # XXXX XXXX & XXXX account closed XXXX {$110.00} # XXXXXXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX XXXX account # XXXX XXXX XXXX XXXXXX/XX/XXXX closed account # XXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXXXXXX XXXX inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX accounts have all violated my rights. 
15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 : It also states a co
nsumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any items of information or any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief