vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute fraudulent accounts that have appeared on my credit reports from XXXX, XXXX, and Equifax. The accounts in question are associated with XXXX XXXX and XXXX XXXX, and they were opened without my knowledge or consent. 

1. XXXX XXXX - XX/XX/XXXX - XXXX 2. XXXX XXXX - XX/XX/XXXX - XXXX As a victim of identity theft, I am deeply concerned about the impact that these fraudulent accounts will have on my credit score and my ability to obtain credit in the future. I am writing to request that these accounts be deleted from my credit reports immediately, and that any associated negative marks or comments be removed as well. 

I have taken all necessary steps to protect myself from identity theft, including notifying the Federal Trade Commission. I have also contacted XXXX XXXX and XXXX XXXX directly to inform them of the fraudulent accounts and request that they be closed. 

I understand that as a consumer, I have certain rights under the Fair Credit Reporting Act ( FCRA ). These rights include the right to dispute inaccurate or fraudulent information on my credit reports, and the right to have that information corrected or removed. 

I urge you to take swift action to remove these fraudulent accounts from my credit reports, and to take steps to prevent similar incidents from occurring in the future. I have attached copies of relevant documentation to support my claim. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2022 I went to a XXXX  XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. 
Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hi, XXXX  the XX/XX/2023 I asked my Friend to send me money so I could cover a bill I didn't have the money for due to be losing my job. My friend sent me the money after I didn't need it anymore because my employer finally paid me what they owned me. 
So I went into the Paypal.com account to refund the {$200.00} back to my friend.

When I clicked on the refund to refund my friend paypal.com went into my checking account and withdraw {$200.00}. 
Paypal.com should have taken the money in my paypal.com that is where my friend sent the {$200.00} and returned the money and they should have not taken a fee if they were going to refund the money. 

Now my personel checking account is overdrawn some {$200.00} plus bank fee of {$36.00}. 

I bank with XXXX XXXX. 

I need the money returned to my checking account at XXXX XXXX, and the money in my Paypal.com account refunded to my friend XXXX XXXX. 

My friend is XXXX XXXX My Paypal.com account is email : XXXX If you have questions please call or write me back. 

my address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
MOHELA ( the servicer I was transferred to when I applied for Public Service Loan Forgiven ) has given me conflicting information regarding a refund after my PSLF forgiveness. On XX/XX/XXXX, I was told my loans were forgiven and that I would be refunded all payments made from XXXX XX/XX/XXXX. It was explained to me ( on that date and previously ) that my discharge date ( or when I hit 120 payments ) was XX/XX/XXXX after the waiver ) which made sense as I consolidated in XXXX. When I called back around XX/XX/XXXX, I was told they did not see a refund for me in the system and I should wait until the end of the month. However, others that I know that were recently forgiven and received refunds had an increased balance that included the refund amount prior to their balances going to XXXX. That did not happen for me. I call MOHELA back on XX/XX/XXXX after speaking with FSA who told me that DOE issues refunds via the Treasury Dept. based on what MOHELA sends them. On XX/XX/XXXX, a MOHELA supervisor told me she did not understand why a request for refund was not submitted and she was sending one for me during our call and she would see what it would do, which did not sound anything was going to materialize from her efforts. In the last 2 months, I have receiving 4 different responses. I am following up on my refund. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove all fraud alerts and extended fraud alerts from all 3 of the bureaus

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 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$36000.00}. Please update this accounts.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX reporting : XXXX I noticed a Bankruptcy is reporting on my credit report. However, it's only reporting in XXXX and Experian. This bankruptcy should NOT be on my credit reports as its not properly validated and its violating my FCRA laws. 

In accordance with the Fair Credit Reporting Act, you have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 and proper validation.

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 2023-04-04 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: GA

Complaint narrative:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2023-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Tesla, Inc.
State: DC

Complaint narrative:
Hello, We leased a XXXXXXXX XXXX XXXX beginning XX/XX/2023 from Tesla XXXX XXXX XXXX in Virginia. The lease agreement we signed with Tesla on XX/XX/XXXX explicitly states when Tesla provides your car 's delivery window to you, you have a window of 3 days to in which to schedule your delivery to take possession of the vehicle. Tesla informed us on Tuesday the XXXX that the car would arrive XX/XX/XXXX and that we had to take delivery of the vehicle that day. I pointed out this provision in the agreement several times to the dealer, to which they responded that they did not care and they would not give us the vehicle after the XXXX. Given this was the end of their quarter, this was a high pressure tactic to meet quarter sales targets and violated the lease agreement we had signed with Tesla by not providing us the appropriate window in which to take delivery of the vehicle. I've attached the lease agreement which stipulates this condition under the section " Delivery ; Transfer of Title ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove all fraud alerts and extended fraud alerts from all 3 of the bureaus

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove all fraud alerts and extended fraud alerts from all 3 of the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
My family has been struggling to get our mortgage lender Fay Servicing to work with us to restructure or modify our mortgage loan. Despite dozens of submissions over the last few years we are never able to get a decision. Our mortgage loan is backed by XXXX XXXX and we know there are many programs available for distressed homeowners by offering loan modifications, recapitalization of arrearages, deferring delinquent interest, extending the term, flex modifications or repayment plans. We have had a change in financial circumstances as we now have a tenant in our upstairs unit and believe that Fay Servicing has failed to conduct a review of our ability to pay and loss mitigation options based on this change. We are also concerned that Fay did not offer the CARES act forbearance program to our family, which is required for XXXX XXXX  backed loans if the homeowner was impacted by XXXX and Fay is supposed to provide options BESIDES full reinstatement to restructure the loan. We filed XXXX XXXXXXXX  XXXX because Fay refused to come to the table, but the judge in our case told us that he no longer would allow any modifications in his courtroom and now the bankruptcy is dismissed. We are concerned that Fay and XXXX XXXX will soon auction off our home we have owned since XXXX and not even give us the opportunity to be reviewed for assistance options. We have been told that Fay and their Attorney may be in violation of the recently passed New York Foreclosure Abuse Prevention Act. The original judgment for foreclosure was issued in XXXX but that ruling had the incorrect block, lot and section number. The lender filed a motion for an amended order of foreclosure based on the correct information which was rubber stamped by the court. The new law passed in NY in XXXX XXXX is meant to stop this type of abuse by the court and in this case the statute of limitations has expired and the language explains that the original filings are no longer valid and that the process has to start over. We hope that Fay and XXXX XXXX follow the loss mitigation guidelines and the CARES rules and also the new statute S5473 in New York and that we are given the opportunity to retain our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My cell phone was stolen in XX/XX/23 and someone did to zelle transfers from my XXXX check oh account 1- {$100.00} 2XXXX {$300.00} To an unknown individual-XXXX XXXX I did not authorize these payments Do not know this person. Did not do any XXXX  transactions to anyone Someone stole my phone at the gym Ive noticed my bank on XX/XX/23 of the fraud XXXX  wont return these funds I filed an incident report with XXXX county police department regarding these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX I applied for a chase business card. I have been a long time chase customer with excellent payment records. I was declined the card and when I contacted customer service for reconsideration I was told I was denied because chase has an rule regarding having more the 5 cards in the last 24 months. I told the agent in that same month some cards would be coming out of the 24 month period in XXXX. The agent told me she saw what I was referring to and I should call back on XX/XX/XXXX to request reconsideration. When I called on XX/XX/XXXX the agent refused to further look at my account and said I had already spoke to an agent. I tried to explain to him that I was told to call back on this date, but he would not take into consideration what I was saying. I requested to speak with a escalation specialist. This agent told me there are no escalation specialist available on weekend. I requested a call back from the escalations department and I was told they would I would receive a call back on Monday or Tuesday of this week. That call never came.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TX

Complaint narrative:
The information submitted to the credit reporting agencies from XXXX XXXX shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave XXXX XXXX or any of the credit reporting agencies authorization to share my personal information ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the XXXX XXXX last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.

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 2023-04-04 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: TX

Complaint narrative:
The information submitted to the credit reporting agencies from XXXX XXXX shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave XXXX XXXX  or any of the credit reporting agencies authorization to share my personal information ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the XXXX XXXX last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TX

Complaint narrative:
The information submitted to the credit reporting agencies from XXXX XXXX shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave XXXX XXXX  or any of the credit reporting agencies authorization to share my personal information ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the XXXX XXXX last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.

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 2023-04-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXXXXXX  Inquiry : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry, XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : 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