vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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 a victim of identity theft and this account is not mines. i have called the company and credit bureau multiple times to get it removed and block. please remove this account asap please. This account opening dates also do not match on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: NY

Complaint narrative:
I applied for XXXXXXXX XXXX credit card with XXXX XXXX XXXX They told me that they couldnt verified my identity. They told me to fax them my drivers license, passport, power bill, renters insurance, lease signed, and a utility bill which I sent XXXX XXXX  to them. They sent me back a reply they couldnt verify my identity and had promised me a renters credit line of {$50000.00} by XXXX XXXX XXXX through XXXX XXXX XXXX. They scammed me and got all my information. When they receive the fax I paid $ XXXX to fax them they sent me a copy of the same exact letter as before. I did speak with them by phone as I called them to see if they received the fax. The guy told me it was in the process as received and approved

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has fraudulent accounts on my profile that need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. This Right has been violated.

15 U.S.C 1681 section 605- Fair and accurate reporting within 30 days. This Right has been violated " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate '' - This right has been violated XXXX XXXX XXXX XXXX XXXX  has continuously violated my rights by inaccurately reporting an " over the limit '' status to the credit bureau 's. Despite having consistent payments on the account and the account now reflecting XXXX. This account has not been updated since XX/XX/2022. This information has been verified by Experian, XXXX and XXXX. 

I have called XXXX XXXX  of several occasions. each attempt took hours and many transfers to different departments that indicate it has been updated and there is nothing they can do. XXXX continues to blame the error on the credit bureau. The Bureau 's indicate they only report what is reported to them. I have disputed the account with all 3 bureaus. 

Due to comenity disregard for my consumer rights I have received adverse credit decisions. unbalanced utilization, inaccurate score reporting and adverse credit reporting that is a direct result of their negligence and violation of my consumer rights.

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 2022-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: TX

Complaint narrative:
XX/XX/2022 I was denied credit by GLOBAL LENDING SERVICES I was under the impression that XXXX XXXX XXXX that they were only going to take a look at my credit then I started receiving inquiries from GLOBAL LENDING SERVICES and another bank but was not approved. I received an adverse action letter from GLOBAL LENDING SERVICES stating " We regret to inform you that we were unable to offer you Credit on the terms originally requested. However we could approved your application if certain terms or conditions are met. '' I was denied an extension of my own credit have damages dragging down my credit score but not car nor credit. 12 car 1002.7 states " A creditor shall NOT refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status or any other prohibited basis ''. I have clearly been discriminated against and that is unfair I did an application with good faith and good intentions and haven't received the same in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
My account is being reported as delinquent and they are refusing to correct it. They keep telling me a loan counselor will contact but that has yet to happen. I have attached evidence of my multiple attempts to contact this loan servicing company/lender and they keep giving me the run around. 

Today XXXX XXXX XXXX XXXX XXXX XXXX, transferred to XXXX, transferred tp XXXX which went to voicemail at XXXX. 

Called back again XXXX XXXX spoke to XXXX and got hanged up on Called back XXXX XXXX, spoke to XXXX and then got transferred to XXXX and then transferred to a lady at XXXX whom i believe is named XXXX who started lecturing me on the process. Again they know they are in the wrong and trying to protect themselves. 

Please mind you that I sent a signed and notarized letter on XX/XX/XXXX which looks like it was never processed and they are claiming it is because the letter was expired. This should not have been reported as delinquent since i was on an approved forbearance plan. I have been making my regular mortgage payments for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington mortgage reported late payments and I need them removed mortgage was paid not the house is sold and the XXXX payments are still there the loan was sold never recieved a welcome letter was still sending to old company never notified til I received late payments on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
For the last two years XXXX XXXX has tried to charge me for goods I did not order. XXXX sold the bad account to Midland Credit. the Manager of the company stated that I owe XXXX. The rep got up set because I told him that I have a XXXX account and it is active with a balance of XXXX. 

I told him the account he was speaking on was not mind. the manager then told me while he was mad at me that I was a fraud and he was going to report me and put it on my credit report. in addition he stated I'm going to have you investigated right away and sue you after he took it off recording. While off being recorded he said I will pay for this and i wouldn't hear from him anymore. I asked him prove I had or owned this account. 

on XX/XX/2022 I received a XXXX letter from that manager threating me that he was going to get a lawyer and sue me. I have proved several times and have provided my XXXX XXXXt open account number of my real account. but they keep putting this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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: NV

Complaint narrative:
I used Zelle to send {$4700.00} to a potential XXXX. I sent the money in 3 separate transfers on the following dates : XX/XX/2022 | {$2000.00} XX/XX/2022 | {$1100.00} XX/XX/2022 | {$1500.00} The money was supposed to be used for moving in costs on a new potential home for myself and my family. The XXXX started asking for more personal information than what was necessary and, after I addressed the sensitive nature and my being uncomfortable with it, they stopped communicating with me. 

I immediately contacted the XXXX site, XXXX, and had the property listed as fraudulent. 

I contacted my bank, XXXX, first, but they said since I initiated the transfer for services that, they have no protection rights, and they have no recourse to assist with me getting my money back. They gave me the number to call Zelle.

When I called Zelle, the automated line stated that if we used Zelle through a banking app, that I should contact our bank for assistance and to hand up the call. 

Neither XXXX nor Zelle are willing to help me after I've been scammed of almost {$5000.00} I needed to help find a new home for my family. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I logged on to my XXXX credit report and noticed an Inquiry from FNB OMAHA dated XX/XX/2022. 

I do not recognize this inquiry/ company. I did not authorize FNBXXXX OMAHA to pull my XXXX credit report, resulting in an inquiry. 

Please remove this inquiry ASAP. 

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 non-monetary relief
Consumer complaint received 2022-09-14 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: TX

Complaint narrative:
Ive sent MULTIPLE letters to this bureau and Ive requested multiple times to show me hard proof of any signed documents that I physically signed. According to 15 USC Chapter 41, that is required by the bureau when requested. I dont agree with any third party verification or the E-Oscar system. Nothing involving me and my credit report should EVER be verified through any software. I am asking for hard proof, if not. This should be deleted. Ive attached all the letters Ive sent requesting the HARD PROOF VERIFICATION, not any verification through any software, third party verification, and/or E-OSCAR!

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA ( Original Creditor : XXXX XXXX ) HAS BEEN FRAUDULENTLY REPORTING ON MY PERSONAL CREDIT REPORT. THIS BATTLE HAS BEEN GOING ON FOR ALMOST A YEAR NOW. I HAVE SENT DEBT VALIDATION TO THEM DIRECTLY AND THEY HAVE NOT LAWFULLY PROVIDED BONAFIDE PROOF OF THIS COLLECTION. I KNOW IT IS NOT MINE. I HAVE SENT CERTIFIED MAIL TO THE XXXX XXXX, XXXX AND XXXX ABOUT THE SAME. I AM GOING TO SUE BECAUSE IT SEEMS THEY CAN VIOLATE CONSUMERS AND NO REMEDY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
Do to being on SS XXXX I was unable to pay my credit card. I was contacted by a company offing me to settle for a smaller amount to get it out of collections. So I borrowed it from my daughter to help my credit. It is still on my credit on two of my credit reports. Ive talked to them and the credit report and they said they say {$0.00} but will be on there for 7 years. Thats not what she said to me over the phone. I dont think thats fair at all. Is there anything I can do. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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:
Based on. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
XXXX it was XXXX something how can a collection account amount change or grow I is incorrect needs too be removed Ive sent several request too investigate but keep saying its accurate how if the price changes on a collocations on XX/XX/2020 a collection amount shouldnt change

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX am a victim of identity theft. XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX. XXXX has fraudulent accounts on my profile that need to be removed immediately

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 2022-09-15 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I complained about Tower Loan XXXX and now it is XXXX and other worker. 
calling my husband three or more times a day harassing him at work My husband has had a XXXX and we have had XXXX XXXXXXXXXXXX XXXX we filed hardship with freedom debt these people will not listen get very demanding and threaten I called XXXX Police department on these people for harassing and threats

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
From XXXX to XXXX the loan balance was incorrect. This loan was from XXXX. I owe the XXXX. But Navient falsely put on my report that I owed over XXXX. And they continued to do this. I want the account information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: World Acceptance Corporation
State: SC

Complaint narrative:
World finance I have not done any business with this company since around 2007. I have disputed this account on my credit reports and it's deleted, but then shows back up again as a collections account. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 5 U.S.C. 1681 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On Sunday XXXX XXXX I received a notification from my credit monitoring company that XXXX XXXX XXXXXXXX had checked my credit report due to an application for a credit card. The person or persons had applied for a credit card using my information on XX/XX/2022. The credit monitoring company that notified me of this incident is Experian. I called Experian on Monday XXXX XXXX to let them know that I was not the person who applied for the credit card. Experian immediately removed the inquiry for my account. Experian informed me that I needed to filed with the FTC regarding this incident. They also advised me to call XXXX XXXX XXXX and let them know that my information had been stolen and someone had used it to apply for a credit card. I called XXXX XXXX XXXX on XX/XX/2022 and explain the situation to them. They looked into the incident and put a stop to any future application that involve my information or name.

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I met all the requirements for a {$500.00} bonus on XX/XX/XXXX. On XX/XX/XXXX, I called them to ask when I would get the bonus because their terms say I only need to wait 1-2 billing periods to get the bonus. They told me the first week of XX/XX/XXXX I will get the {$500.00} bonus. But I didn't get it the first week of XXXX. So I called again on XX/XX/XXXX. They told me within 3 business days, I will get the bonus. But I didn't get it after 1 week! I called them today XX/XX/XXXX. They told me I need to wait 40 days to get it! It is 100 % fraud. They knew I met all the requirements and it has passed the time frame. They just kept asking me to wait wait wait. This company doesn't have any credit for being trusted by the customers! Please help. 
Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 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: PA

Complaint narrative:
Please remove these fraudulent inquiries immediately these are results of identity theft. 
I did not obtain any of these good or services from : XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXXXXXX XX/XX/2022, XXXX XXXX XX/XX/2022, and XXXX XXXX XX/XX/2022. I did not give consent for any of these inquiries reporting on my Transuion!!!!

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