vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I noticed that a new credit card from Comenity Bank XXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the Comenity Bank they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the Comenity Bank rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXXXXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called Comenity Bank and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The Comenity Bank account that was created under my name had the last 4 digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$12000.00}

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 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a text message stating it was from wells fargo asking if I made a transaction to XXXX for {$640.00}, I replied No and get a text message back stating that my card has been restricted and a phone call has been generated. I then received a phone call from a banker who stated that his name was XXXX and gave me his ID # XXXX. Once again asked if I made the transaction at the XXXX in XXXX FL. I told him no and he asked about another transaction he seen at a XXXX XXXX also in XXXX FL for {$400.00} and I told him no. He then sent me a text message from the same number asking to verify my username so he could shut down my online account, so no more transactions could be made. I responded and once he was in asked if i had added a XXXX XXXX to my XXXX account and authorized a transaction for {$990.00}, I stated no once again and a code was sent for me to call back to the banker to cancel the transaction. He stated that the transaction had been canceled and that my online account would not be accessible for 3-5 days and my new debit card would arrive in the mail. he asked several questions and sent different codes for me to call back to him. The original text came from XXXX the messages which the codes were sent from was XXXX. Keep in mind that I was at work and handling this call and reading the messages off my apple watch. After completing the phone call with XXXX, I continued to get messages from wells fargo letting me know that I had added 4 different recipients to my XXXX account through wells fargo. I called Wells fargo back later that afternoon to check on my account and claims and the wells fargo banker told me that no claims of unauthorized activity had been reported and no transactions to XXXX and XXXX XXXX had happened. I had been scammed and he used those transactions as a scare tactic to get my information and change my online account password and send out 3 different XXXX transactions totaling {$990.00}. The banker made 3 different claims for each of the transactions, and I forwarded all texts to XXXX. was told that it would take 10 business days for my claims to be handled. On XX/XX/XXXX I received 3 letters stating that each payment was processed as requested and my claims had been closed. 

The XXXX recipient was a XXXX XXXX with a email of XXXX XXXX. {$190.00} XXXX. {$390.00} XXXX. XXXX Totaling {$990.00} that was taking out of my savings account from a scammer. 

Original text message was from XXXX Phone call came from XXXX - Which is wells fargo costumer service line Scammer stated his name was XXXX and his ID # was 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 explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
Please help! I noticed some fraudulent accounts on my credit report. They're hurting my score drastically. I have submitted a complaint with the Federal Trade Commission and need these accounts to be removed immediately. 
15 U.S.C 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Under the law of section 695 of the FCRA, you have 4 days to comply. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
In accordance with the Fair Credit Reporting act XXXX  account # 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 602 A section 2, it also states a consumer reporting agency can not furnish an account with out my written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXXXXXX 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 602 A section 2, it also states a consumer reporting agency can not furnish an account with out my written instruction or 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 2022-08-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Have accounts showing on credit file that I have disputed and disputed and refusal to remove These accounts are not mine I have provided the accounts from current online credit file

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 2022-08-05 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello On XX/XX/XXXX I sent out a letter to Experian, XXXX, XXXX I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.

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 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, I received a call from XXXX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, CA XXXX At first they refused to disclose who they were or why they were calling and said that papers were being served against me, and that I had to verify my social security number and phone number. I asked her if she was calling to serve legal papers from the courts and she said she couldnt tell me unless I provided my personally identifying information : she did not say no, which allowed me to think this might be the case. They would not disclose what type of papers or that it was an attempt to collect a debt, but wouldnt give any additional importation so I hung up. 

Then a manager, XXXX XXXX XXXX called back and said it was for a balance from am overdraft fee from XXXX for about {$220.00} from TD bank, and that if I didnt settle immediately that I would have to go to court, and have to pay their legal fees, And the bill would be more like {$1000.00} dollars. 

At that, I agreed to that old debt and paid it. Then, I looked up the statue of limitations and realized it was long past. 

I called back and spoke to XXXX XXXX about the matter, told her it was illegal to mislead me, that the statue of limitations in New York was three years for an old debt, and asked for my money back. She said that the mark has appeared on my credit as recently as XXXX, and that the account was only a couple of signatures away from litigation. I said that was still past the statue of limitations, then she agreed that was true, and in fact it was a lie and could not be sued. 

She said that if I canceled the payment it would restart the clock on my debt. I would never have even spoken to these people if they hadnt lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NM

Complaint narrative:
Specialized Loan Servicing LLC ( SLS LLC ) assumed our loan servicing function as of XX/XX/XXXX. Their letter to us stated several methods of payment which would be acceptable once they began servicing of our loan. We set-up Bill-Pay through XXXX XXXX Bank to be made beginning XX/XX/XXXX and thought we would continue paying without problem as we had for the previous 6 years with other loan servicing companies. We received a Mortgage statement from SLS LLC dated XX/XX/XXXX which showed a past-due amount from the previous month of XXXX and a XXXX payment due XX/XX/XXXX which totaled {$4500.00}. We checked our records with the previous servicing company to verify that the XXXX payment had been made and credited for that month which it had. We immediately called SLS LLC and informed the agent that the XXXX payment had been made and asked why they hadn't received that information when SLS LLC assumed our loan. We were transfered aroung until someone checked their records and said that they showed record of the XXXX payment and to disregard the Mortgage statement that showed the deliquency. During this time, our BillPay payment for XXXX was made through XXXX XXXX Bank and was returned the next day as undeliverable to SLS LLC. I checked all the mailing information contained on the XX/XX/XXXX letter from SLS LLC to verify I had input it correctly into the XXXX XXXX BillPay set-up. I attempted to pay the mortgage a second time after verification of the information and that payment was subsequently returned undeliverable again. We have since called SLS LLC multiple times, once on a conference call with a XXXX XXXX Banker, and each time employees of SLS LLC have tried to blame the problem on XXXX XXXX. During the conference call, the XXXX XXXX employee was able to verify that SLS LLC had refused to accept the payment and returned it to them. SLS LLC employees have tried to solve this problem multiple times to no avail and have returned to us 4 separate payment attempts from XXXX XXXX BillPay ( the XXXX payment was made by personal check sent through USPS ). We had a late fee taken off our account for the month of XXXX but were informed by SLS LLC employees that was a one time courtesy. To date we are still unable to use our BillPay option for payment and keep being told by SLS LLC employees to set-up automatic payment by giving them access to our banking information which we will not do. It's obvious that SLS LLC payment system is not functioning properly and yet they seem unable to iron our their problems while continuing to blame other entities. We didn't ask for our loan to be transfered to another servicing company and seem to have no control over this unacceptable level of behavior by them. Please help resolve this soon.

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 2022-08-05 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: Grain Technology, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX there is a XXXX XXXX XXXX reporting {$7900.00} reporting incorrectly XX/XX/XXXX grain technology reporting $ XXXXopen and closed with the other credit bureaus reporting incorrectly and two hard inquiry XXXX credit card service and XXXX XXXX XXXX XXXX that doesnt belong to me and also several addresses and my name missed spelled reached out to the credit bureaus and creditors to have these items removed no response in over 30 days and Im being affected by XXXX  my scoring has changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX there is a XXXX XXXX XXXX reporting {$7900.00} reporting incorrectly XX/XX/XXXX XXXX XXXX reporting $ XXXXopen and closed with the other credit bureaus reporting incorrectly and two hard inquiry Jpmcb credit card service and XXXX XXXX XXXX XXXX that doesnt belong to me and also several addresses and my name missed spelled reached out to the credit bureaus and creditors to have these items removed no response in over 30 days and Im being affected by XXXX  my scoring has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I called on XX/XX/2022 the supervisor XXXX stated she could not remove any information from my consumer report without out permission of the lenders I stated that she was in violation of the Fcra 15 usc 1682 ( b ) EQUIFAX didnt not exercise their grave responsibilities with fairness impartiality, and respect for the consumers right to privacy. 
She is also in violation of FCRA, 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( A ). This prohibition is reinforced in subsection ( 1 ) by the prohibition against furnishing inaccurate information after notice of actual inaccuracy from the affected consumer. 
XXXX also stated she knows Im the original creditor but she proceeded to violate my rights this company never had permissible purpose and never was instructed to furnish or create a report I never gave consent for to the reckless and unfairness of my consumer report I am seeking litigation due to the incompetence of this company and withholding my information in which they are not supposed to have They have violated my rights and also my privacy due to the fact that the information is inaccurate pursuant to 15 usc 1681c ( a ) ( 5 ) only criminal convictions of crimes which antedates the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$12000.00}

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 2022-08-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have previously disputed this account, however, I have attached a copy of my XXXX credit report just to show the inaccuracies in the payment dates. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being that the payment history in inaccurate for both, this item must be removed from my credit 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 2022-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Have accounts showing on credit file that I have disputed and disputed and refusal to remove These accounts are not mine I have provided the accounts from current online credit file

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 2022-08-05 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: OH

Complaint narrative:
Have accounts showing on credit file that I have disputed and disputed and refusal to remove These accounts are not mine I have provided the accounts from current online credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
This complaint is to report continuing a issue of Navient illegally altering the terms of my loan without my consent, forging my signature and harassing my family. The complaint XXXX This complaint documents that Navient has XXXX providing false and misleading information about my student loans for years. After the company responded to complaint XXXX Navient placed one of my student loans on forbearance at a very high interest rate without my knowledge or consent. Altering the loan in such a manner clearly violates the initial loan agreement on the lenders side and thus makes this loan eligible for discharge under new federal law.

Company response to consumer: Closed with explanation