vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 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: IL

Complaint narrative:
I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EQUIFAX did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of EQUIFAX requesting a sworn affidavit by me the consumer given EXQUIFAX written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. EQUIFAX did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line. 

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; EQUIFAX has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person XXXX corporation ) are an exclusion as well EQUIFAX has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. EQUIFAX is civilly liable for each action committed against me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon checking XXXX XXXX I seen that my score dropped 63 points for a new open account. It only dropped 14 with XXXX. Their site says you cant dispute scores and other ppl I work with have had same issue with transunion. That is a lot of points for a new credit card 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 explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
Every time we refinance with a company, they sell our mortgage to another company. This is the third time this has happened. Our mortgage company is Rocket mortgage. They did not give us the 30 days notice and now we have to deal with a company that is not reputable and that company is freedom mortgage. This has happened with XXXX XXXX, XXXX, and now Rocket Mortgage. Is there anything we can do at this time to stop them from selling the mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: FL

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: CA

Complaint narrative:
I have previously stated that to the company that I am and have been a victim of identity theft, I included several documents proving that the debt they stated I owed did not belong to me ( My FTC Identity Theft Report, My Proof of factual identity and my Notice to Furnishers and included documents stating that my phone number has been listed on the do not call registry so calling me is therefore harassment and illegal by federal law I HAVE BEEN CALLED EVERY DAY 3 TIMES A DAY OVER A DEBT I DO NOT OWE, I also sent 3 cease and desist letters to the proper address listed above. I also sent information on the Federal Fair Debt Collection Practices Act ( 15 USC 1692 ( a-k ) and specially Section 807 ( 8 ) ( 15 USC 1692e ) and information from the Fair Credit Reporting Act specially section 623 ( a ) ( 3 ) ( 15 USC 1681s-2 ) ( A ) ( 3 ). I have complied with federal law and my rights as a consumer and I believed in good faith that this company would handle this matter in compliance to my legal rights, but in fact this company has not ... in fact in response to my cease and desist letters I received a email back stating that I needed to provide my debit card information to verify my identity and remove the charges off of my account which I have record of now as well and records of other fraudulent activities that a debt collector should not do. 



I provided my debit card information and instead of having the debt removed from my credit report I was charged XXX $ for a new account I did not authorize in the first place, and XXX $ for an additional account I also did not authorize. I also received several harassing letters stating that my credit score would drop 100 points lower if I did not pay the debt and I have record of each letter which I will forward to the Attorney General and my credit score did in fact drop ( so these are valid and factual ). By federal law this is illegal and is 2 counts of fraud which I have all my records of and I can prove in a federal court based on the facts that I have .... 
the company even issued me photos stating that my refund for my accounts would now be processing but I never received anything and I am still being pressured into paying for something that isn't mines, I waited 6 long weeks and nothing ever changed and when I called the company they denied that I even had a account with them in the first place. this is not ok. They denied that I was issued a refund and they have been lying this whole time and now my personal life is suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Ex husband failed to refinance his truck to his name. My name was left on the loan. He made all the payments ( automatic from his account ) on time except the pay off amount, {$58.00} and a payment in XX/XX/XXXX of {$330.00} that I paid. I received a call from the loan company XXXX XXXX XXXX XXXX at the time and paid it to save my credit. It is in the divorce decree that the truck goes to him. I did not know that I could have put in a motion to basically make him refinance and get my name off. I know now : ( The present company XXXX XXXX XXXX never sent notification until it was 30 days late. 
I called XXXX to get info on how to dispute this. Attached is the docs I sent to them. On XX/XX/XXXX, they sent me a letter saying they reviewed it and unable to process to remove as an act of " Goodwill ''. I am not asking for goodwill, I am asking for what is fair. 
They then explained in the letter how I could submit a dispute to the same place I just submitting my info to. I am thoroughly confused. Letter attached.

My credit score was XXXX and dropped 91 points. I would gladly share my credit report to show that missing a payment is not my pattern. 
I submitted the same information to Experian - Report # XXXX and they are now reporting another 30 days late for XXXX XXXX pay off was XX/XX/XXXX they updated it XXXX XXXX. I will not give up on this. I worked too hard to achieve good credit and for {$57.00} this happens. I can not give up on my good credit standing and what is fair to me. 
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 explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
Turned in my XXXX XXXX during XXXX on XX/XX/2020 per the appointment for inspection audit gave me while lease was ending on the following month ( XX/XX/2020 ). Did not want to lease another car but XXXX XXXX XXXX dealer said they will pay the last month lease of {$340.00} if I lease a new car with them which I did. They never paid the last month fee. I called Audi XXXX XXXX, Audi Financial and Audi XXXX group and still paid the balance out of pocket. As result I paid for two cars for the month of XX/XX/2020 as the sales person did not honor what they have promised us and I did not want my credit to be effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: VA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-11-20 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: NV

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: AZ

Complaint narrative:
XXXX XXXX, with Patenaude & Felix, PC, representing XXXX, is refusing to provide a letter stating I have paid my account in full. He stated it is not their obligation to provide this letter. It is up to their client. However, their client, XXXX, refuses to give me a letter. They have received their money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Incorrect collection placed on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: ID

Complaint narrative:
I have checked my credit, and I learned that every inquiry on my profile I had NOT authorized. These need to be removed immediately. Additionally, there were several accounts that I did not approve or never took a dime from them. This needs to be removed as well. I have also included addresses in which I never lived at as well.

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 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/2020 I received a message in my Venmo app for what appeared to be a money request from my wife XXXX XXXX. What it really was, was a scammer who had cloned her account and had me send them money pretending to be my wife. Once discovered, minutes to an hour later, it was brought to the attention of Venmo customer service. Buy this time the scammer deleted the profile pic and changed their name to XXXX XXXX. They said that it was essentially my fault. That even though this person had copied everything from her picture down to the name that I was supposed to know that I was being scammed on my own. They offer no refund or resolution of any type other than I need to be more careful next time. I find it hard to believe that a site that is linked to so many peoples bank accounts and private information that they are allowed such complacency in fraud. Venmo harbors these criminals and takes absolutely no steps to resolve the fraud once its occurred. Their site is completely unsafe and if they charge a fee when you withdraw your money, one would be reasonable to think that money should be put towards protecting the consumer when fraud occurs. I realize I likely lost my money forever that day, that is not why I am writing this. I am writing it because there are likely thousands more like me that were scammed and Venmo takes no steps to correct or protect their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Unauthorized credit inquires on my XXXX  report. Ive contacted XXXX  and they refuse to do anything about this. 18 total inquiries on my report that were not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Unauthorized credit inquires on my XXXX report. Ive contacted XXXX and they refuse to do anything about this. 18 total inquiries on my report that were not authorized

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 2020-11-20 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: MO

Complaint narrative:
I have a XXXX  XXXX Credit Card showing up on my credit report that is delinquent, this used to be a ( XXXX XXXX card ) is what they told me when I contacted XXXX XXXX about this account showing up on my credit report and I never had a XXXX XXXX credit or credit card. I want someone to prove or show proof of this account agreement that ties me to this account that is on my credit report? 
I do have two XXXX XXXX credit cards that I have had for several years now, I have had no issues at all with either one. 
Here is the two cards that belong to me only XXXX XXXX ... ... ... # XXXX and a Platinum Card ... .... # XXXX I have disputed this twice now with TransUnion, they said that it belongs to me, I don't know why or how? but they have not showed how this belongs to me. 

Please let me know what I can do to get this matter resolved and also getting what ever else is tied to this account that is showing delinquent.

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 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I used my Citi Double Cash card to purchase some HVAC work in my home. The charge was {$860.00}. This was a valid charge ; however, as time moved on, and I went to pay my account for the month, I did not recognize this charge. When I googled the phone number on the charge and the company name that showed up, I could not find anything, so I thought that this charge was false and needed to be disputed. When I disputed the charge, Citi credited me the item on the account while they investigated. Two days after this, the company that completed the HVAC work called me to ask why the charge was being reversed. This was when I realized the charge was legitimate, and I had made a mistake. I told him to give me a week or so, and I would attempt to contact Citi to get the charge placed back through. After literally hours of attempting to get the right person on the phone at Citi, I finally got someone who told me that would be taken care of and the charge would go through. However, several days later, working with the HVAC company, they told me they still never got the {$860.00} from Citi and that I needed to pay again. Therefore, I used another credit card ( XXXX attached below ) to complete the transaction. 

This would all have been fine until I saw that Citi charged me {$860.00} two times on my statement on XX/XX/30 and only one credit ( see Citi Double Cash below ). I called Citi Friday, XX/XX/XXXX, in an attempt to rectify the situation. I was transferred between 3 representatives and on hold half that time, and once I got to the third, I was hung up on. 

At the very least, I should be allowed to dispute the {$860.00} charge that was not refunded. 
But, the Citi app and online access will not allow me to, it directs me to call Citi which I did. I can't afford to spend more time with Citi attempting to resolve this so I expect this to be rectified by Citi through the CFPB to avoid a small claims/legal route.

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 2020-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Several years ago I purchased a washer and dryer set from Lowe 's. I set the purchase up for delivery ; however, Lowe 's did not deliver the appliances. I subsequently canceled the order and asked for a refund. Several months passed, and, I kept getting credit card statements showing a balance on the card for the purchase ; and, I called corporate several times to have this removed from my card. I asked them to make sure it's removed from my card and there are no negative remarks on my account or credit report. They ensured they'd do both.

I checked my credit report due to lower scores than expected and found Lowe 's reported my payments as being late for the card. I have not used my Lowe 's card since the incident in question, and, I know the remarks are pertaining to a purchase that I never had in my possession. This is grossly incompetent.

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 2020-11-20 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: 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 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 as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my family

Company response to consumer: Closed with explanation