vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

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 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 convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I bought an apple gift card in the amount of {$500.00} but on getting home to redeem the card, it says it has been used by another customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
looking at my credit report, the car on my credit report is not mines, please look in this matter pls help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently I have sent out a dispute letter to Experian regarding an account that's negatively reporting to my consumer report. They responded that this account is verified and belongs to me but how can this account belong to me if there is no mutual agreement between me and the creditor? I believe that it is Experian 's duty to report accurate information but if this account doesn't have any documents to providing accuracy nor agreements then this account isn't verifiable. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Experian must investigate this account and if the creditor can't provide any agreements then this account must fall off. Pursuant 15 U.S. Code 1681- Congressional findings and statement of purpose, Experian must report the most accurate information possible. This account is under multiple violations in which it's reporting unlawfully. 

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
The servicer " Edfinancial '' is unreachable via phone, email and chat. 

The chat shows unavailable. 
The phone line says busy and will not call back with the callback option. 
The servicer will not respond to email. 

I have already been charged late fees and it is affecting my credit. I have no income and need to apply for SAVE plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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:
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. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 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 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 non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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:
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX 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 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 convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1500.00} XX/XX/XXXX XXXX XXXX {$18000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Our new insurance company sent information to Freedom Mortgage that our insurance was now placed with XXXX at the end of XXXX. I personally called Freedom Mortgage on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to provide them this information. 

I additionally sent them the same information via a message service on Freedom Mortgage 's website also on XX/XX/XXXX. 

Freedom Mortgage did not send out escrow payments at all, resulting in our homeowner 's insurance being cancelled. 

Freedom Mortgage claims they " had no knowledge '' of the change in insurance and are NOW trying to charge us for " their insurance ''. 

This is unacceptable and we will be filing complaints with the FTC, the Attorney General, IFCA and whoever else we need to, to get this rectified.

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 2023-11-01 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
XX/XX/ late payment was applied to my credit report 15 U.S.C. 1681 ( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons State rights to consumer privacy

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 2023-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
I have been a returning customer for loan at last, one day I decided to take out a new loan from the company, they said they can give me a new loan without any reason

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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.

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 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 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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.

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 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 convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Select Portfolio Performance Servicing accepted my application for mortgage modification, a process I started XXXX XXXX. They repeatedly denied accepting documents they asked me to submit. I have since learned that my mortgage is part of an auction by XXXX XXXX for non-performance loans. My current mortgage agreement was constructed by my attorney while I was taking XXXX. I told him the final modification arrangement was not what we discussed before I signed but I was unable to prove it so I signed, with the expectation that when I recovered I could get a new modification with more favorable terms. 

My current mortgage only allows me to pay a percentage of the original loan plus the original loan, with principal and interest applied only to the percentage of the original loan, with the original loan amount ballooning. 

I am financially able to pay a modification of this mortgage. I have never been late in the 8 years since it was modified. Right now the way my mortgage is structured I cant get it refinanced because the property value is less than the outstanding balance. The Remedy I seek is to be removed from the NPL ( non performance loans ) pool so that I can refinance my loan. 

Select Portfolio Performance Servicing has not been acting in good faith but has demonstrated they are withholding giving me a fair underwriting determination for refinancing, that I have more than sufficient assets to support. 

What documentation do you require from me to assist you in reviewing my claim?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Profolia credit debt-I have no knowledge what this is for! They con me into setting up an autopay saying they will sue me for whatever this debt was for! This debt is not mine at all-amount is {$1800.00} and change

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Went to the XXXX XXXX XXXX.Ordered XXXX item that cost {$20.00}. Left bar. Saw my card was charged for {$110.00} dollars. Asked the business to provide a Reciept. Reciept provided had wrong items ordered {$57.00} and a tip of {$53.00} dollars. The signature was not mine. Navy federal which has hundreds of examples of my signature says its closed and wont provide me the document they used to say it was correct or they attempt to place me on hold for XXXX hours. XXXX XXXX XXXX XXXX would not refund my money. I informed the person I spoke with that someone had forged my signature and they attempted to check the cameras. They said the camera was unable to go back that far. I have XXXX witnesses willing to provide a sworn statement. Below is a copy of my signature on my drivers license and the Reciept with the forged signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XXXX and XXXX of 2023, I was in a severe manic episode which caused me to take out {$30000.00} worth of loans in an altered XXXX  state. I have no recollection of taking out these loans nor was I entirely sure how I was approved of these loans since, at the time, I had no source of income or leverage that was given to the bank to approve these loans. Unfortunately, for the past few months, I have been in and out of hospitals and an XXXX  program to fully gain my XXXX  and physical strength back which has been quite arduous. I have contacted the bank several times to discuss the loan repayment options to see if there is any way we can restructure the loan agreement since, as I have yet to return to work, I have no source of income. Wells Fargo, however, has not budged at all even though I have explained to them the situation and was willing to provide whatever hospital documentation was necessary to show how serious the medical situation was, but again this proved to no avail. Now, I am in quite a difficult spot as I am looking to work with the bank to try to rectify this situation and it seems to me to be quite predatory that the bank approved the loan virtually off of no solid financial backing without thoroughly verifying that I had the means to do so.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITOL ONE CREDIT CARD OPEN THREE CREDIT CARD WITH OUT MY AUTHORZATIONS-AND I TRIED TO DISPUTE IT AND THEY ARE STATING IT WAS ME THAT OPEN I HAVE A FRAUD ALERT ON MY CREDIT REPORTS CAPITAL ONE 3 LATE PAYMENTS Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/ Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/ Account type Business Card Payment summary XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Closed. {$71.00} past due as of XXXX XXXX 
Status updated XX/XX/ Past due amount {$71.00} Highest balance {$1200.00} Monthly payment {$15.00} Last payment date XX/XX/ Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC
State: WA

Complaint narrative:
My credit report has been hurt because of this, and I need a position and better help from XXXX since the service covers me and the charging as the report on my credit score is unfair and is prejudicial for me because they never submitted the claim through the insurance company and even acknowledge me before submitting through the collection debt company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter Finance XXXX XXXX XXXX XXXX TX XXXX I have had this XXXX  removed from my credit reports legally through the administrative process however, this company has re-opened an account on my XXXX report claiming I am Past Due {$17000.00} on a car I actually have the pink slip for. I have also not received a 1099 C from aforementioned company which alludes to tax fraud. The payment history is non existent and the information is inaccurate.

Company response to consumer: Closed with explanation