vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: NE

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. 

XXXX XXXX XXXX XXXX : {$50.00}, {$210.00}, {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX, ALL 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 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 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 INCCURATE

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 2022-04-20 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: NE

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. 

XXXX XXXX XXXX XXXX : {$50.00}, {$210.00}, {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX, ALL 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 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 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 INCCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
today XXXX at XXXX I received a call on my private cell phone number whereas I have been receiving calls on this private number from realtors, investors and etc while I am litigation with this present fraudulent foreclosure on my home. In one of my previous CFPB complaints I mentioned that my number is being given out to many to harass me to pressure me to give up my home or sell to them when I am fighting for years in court to stop this fraudulent foreclosure attempt with forged/photocopied documents. This call told me that they at Chase were monitoring my payment transaction history and want to offer me a payment offer. I hung up because this is a non existent debt that they well know I am in court with. These calls started over 2 months ago and Chase has already been told to stop giving out my private number and to not use it at all. I want these calls stopped as well as the mailings and emails etc... This is harassment and fraudulent foreclosure tactics to threaten and terrorise me for my home. I am XXXX yrs old, XXXX, indigent and recently had a second cardiac in the past 2 weeks having to be hospitalised stress triggered. I had XXXX XXXX in XXXX of XXXX and this harassment is taking a toll on my health being a life threat. The number Chase called me from at XXXX today XXXX is XXXX when they know this number is not for them to use for anything!!!! My landline is listed with this Chase. XXXX XXXX is hiding their involvement in this fraud/, abuse/profiteering, so much so they have denied me 3-4 FOIA requests in since the laws have included them in their obligation to respond to FOIA requests in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Merchants' Credit Guide Company
State: AZ

Complaint narrative:
I have a both a fraudulant collection and inquiries on my XXXX. I have tried going direct to bureau and companies to have this removed. They have already been removed on my experian for the same reason and I have the right to an accurate credit profile according to the FCRA. 

Collection account - Merchants Credit Guide ( {$570.00} ) Fraud Inquiries - XXXXXXXX XXXX XXXX XXXX  Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX, Chief Executive Officer ( CEO ), of SELENE FINANCE LP has been attempting to collect on an alleged debt since XX/XX/XXXX. The debt was already paid/discharged with a NOTE way back in XXXX. There is a pending case in the county court regarding this matter that they took over in XX/XX/XXXX. There is no contract with SELENE FINANCE LP. They are a third-party debt collector interloper.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022, an unauthorized person from Arizona withdrew {$2000.00} from my bank account. I didnt know this until I checked my online account. The unauthorized person somehow was able to change my email and address and open a few debit cards. The bank invested it and denied my claim.

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 2022-04-21 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: CA

Complaint narrative:
I just tried to log in to no avail. I have been trying to login for years! No matter what I try I'm not recognized, even if I change the password, the ID login or any of my information. Just recently, I called Experian on XX/XX/22 @ XXXX and spoke with XXXX XXXX She told me to use a login XXXX! I haven't used this login in over 5 years. She sent me voice mails to my Cellular Phone # : XXXX! And even responded to a code texted to me and entered it. I was on the phone with XXXX for at least 30 minutes. She was not able to help login or create a new password. Nothing I did worked. Experion is extremely complicated and does not provide good customer service. 
Over 2 years ago, my score was XXXX, but unrelated to my complaint, just for explanations, I was subjected to XXXX XXXX and then my score tumbled down to even the XXXX. Only liberal entities like Experian hurt people instead of help customers. 
I've been working extremely hard to rebuild my credit I did not cause to plummeted! Today I was delighted the check my score : My XXXX  Score today is : XXXX! No ones approves me for any financial products unless my score is XXXX minimum! But then XXXX Score today is XXXX. But since I can not get I was able to see my average score at XXXX XXXX and it came up as XXXX! Which means that Experian 's has a great deal of incorrect data about me, but no matter how long I try I am unable to login nor get help from Experian, including today! When I call them, the recording says no one available. Would I be able to sue Experian for causing my score to be very incorrect and leading to a great deal of financial qualifications due to credit score that needs to be corrected with Experian? I've suffered over two years with my destroyed score and after working so hard to fix my score, I can't get Experian 's! Then Experian recommends a credit card to help me credit score. I was approved for a measly {$300.00} limit and a service charge of {$95.00}! Wow! I even called for help but the representative was not able to help me to login!

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, and 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

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXXXXXX XXXX XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX/XXXX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights XXXX XX/XX/XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 
XXXX XXXX Finance/Personal XXXX/XXXX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There is no Inquiry for this company on my credit report, because I never applied for their loan. Where is the proof that I applied for this loan? I never furnished my social security number to this company, nor did I ever have any verbal communication with this company. I have no idea how they obtained my information, but I never applied for this loan. Ask them what is my social security number, and how did they get this information. I am not showing any inquiry from this company that I applied for this loan on my credit report. This company just popped up on my Experian credit file saying I owe this money. They even reported I made a payment in XX/XX/2022 which is false, just so they can come back later to report 2 delinquent payment, and then added a statement in XX/XX/2022 saying " never made a payment ''. This company is fraudulent reporting false information on my credit file. Please see supporting documentation, showing never inquired, or done business and XXXX  reporting false information.

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 2022-04-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX 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 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 2022-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SN SERVICING CORPORATION
State: NV

Complaint narrative:
More than 2 months now into a mortgage refinance process and one of the problems that I'm told is VOM. Verification of mortgage payments. There is no reporting on payments made to existing mortgage company since XX/XX/XXXX. New mortgage company trying to close refinance has received owners payments proof including statements with payment history from existing mortgage company but underwriter has to fulfill VOM which does not show any reporting. 
Existing company, took 3 consecutive monthly payments coming out of forbearance and does not want to accept a modification or accept a balloon payment to bring loan current. Also, today XX/XX/XXXX making more monthly payments and never miss one since XX/XX/XXXX current mortgage company offered us a loan modification trial period without any commitment of what the loan will look like at the end of trial period. More, current mortgage company charging us a late fee monthly on the whole amount accumulated during forbearance, asking to pay in full the whole amount $ XXXX to bring loan current. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX, account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Deleted this account immediately for account violations.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without 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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXX XXXX AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown on my 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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Credit Union
State: CA

Complaint narrative:
On XXXX XXXX was the day I became aware of being a victim of identity theft. On XXXX XXXX is when a certain individuals decided to take out a home loan with my social security number, which is stated in XXXX XXXX In addition, there's also a car loan under my SSN. However, I don't even own a car or house, for the past XXXX years lived in a XXXX XXXXXXXX XXXX Therefore, please block these ongoing loans from my credit reports pursuant to section 605B of the Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In violation of the Consumer Financial Protection Act, Chase did not affirmatively tell every customer about its hardship policy and offer any opportunity to put collection on hold for those impacted by the pandemic. In violation of the Fair Debt Collections Practices Act, Chase used the predatory debt collecting practices to email and send threatening calls and emails during the pandemic. Additionally, in violation of the Fair Credit Reporting Act, my XXXX XXXX XXXX XXXX reports different to all three bureaus ( XXXX, XXXX, XXXX ). My local branch of JP Morgan Chase Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI ( XXXX ) XXXX ) was routinely and unexpectedly closed several times from XXXX, 2020 - XXXX, 2020. 

I have asked Chase Bank to honor their commitment to customer satisfaction and remove the late payments on my credit bureau files under the CARES Act. Rather than being interested in ANY type of customer correspondence or offering any type of compassion, they simply reply with a detailed timeline of the most financially devastating time in my life.

Company response to consumer: Closed with explanation