vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I submitted a dispute with equifax regarding a hard inquiry I made on XX/XX/2022. I stated the inquiry was not mine and was fraudulent. Within 6 hours they responded to tell me that the result of their dispute investigation was to tell me what we already know. That inquiries stay on credit reports for two years. This was not investigating. They clearly didnt even contact the company. Its common knowledge for inquires start in reports for two years. But when you disputing your never made or authorized the inquiry, the inquiry should be investigated, not just explain the normal rules. No due diligence was taken by equifax to ask the company why they pulled my credit without authorization. I contacted the company and they couldnt even tell me why it was pulled and had no record of the inquiry. If equifax would do their job and the same phone call they would realized that the inquiry can not even be substantiated by the company and it should be removed. They didnt even do any work with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
Fay Servicing has illegally obtained my personal information and mortgage information from XXXX mortgage. Fay Servicing has failed to show any proof of legal contract ( XXXX contract and not XXXX ) in which they have the right to obtain or have my permission to have my personal or mortgage information. By failure to do so they have committed identity theft. They do not cease and desist all activities. And have a third-party of my choosing remove all my personal and mortgage information. Legal actions will have to be taken through Illinois state prosecutor 's office, the IRS and the FBI.

Failure to do so could also lead to additional charges in connection with embezzlement and misappropriation of federal government stimulus money by XXXX mortgage XXXX mortgage did not have legal right to sell/transfer mortgage without my permission. All payments have currently been paid to XXXX mortgage as shown in the pay stubs in attachments. 
Proof of this will be shown XXXX or legal action will be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX ( XXXXXXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-04-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX ( XXXXXXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MI

Complaint narrative:
Account number XXXX Account number XXXX Account number XXXX Account number XXXX account number - XXXX Has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2, also states a consumer Reporting agency Can not Furnish your 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 2022-04-28 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: CA

Complaint narrative:
This company coerced my husband and I under extreme pressure into signing a contract. It was from XXXX pm until XXXX pm on our XXXX Anniversary. We were told we would not be pressured and it would be only a few hours. They picked us up at XXXX XXXX XXXX XXXX and took us to another facility. After I told them we could not afford the timeshare, they kept reducing it. My credit didnt go through and I was relieved that I couldnt pay them but they kept coming up with another plan. By XXXX I was tired and wasnt thinking straight. I didnt think I could cancel when I regretted the very next day signing a contract with them. I thought it was too late. I have never used their services. Not once. I am very unhappy that my credit report will be so bad forever because of their reporting methods. It is fraud and companies like this should not operate. We can not afford. My husband is XXXX XXXX XXXX and our income is low. We are not healthy to be traveling as well. In principle I do not feel I owe them anything as we have never gotten anything in return. Please help us. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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:
In accordance with the Fair Credit Reporting Act, reporting of the following accounts : XXXX, Account # : XXXX ; XXXX XXXX, Account # : XXXX ; XXXX XXXX XXXX XXXX, Account # : XXXX, the Credit Bureaus have violated my rights, under the following FCRA sections : 602 Congressional findings and statement of purpose [ 15 U.S.C. 1681 ], Section ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ], Section ( 2 ) : 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 2022-04-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for line of credit on my XXXX XXXX XXXX XXXX  ) back in XX/XX/2022 and bank employee who was helping me never disclosed that my personal credit will have an hard inquiry and was told to sign on a small screen where you can only bearly see 4 small sentences.just 1 signature and she handover hard copy and ask me to wait for few hours and I will get a call but after some time i received a notification on my email to my surprise and shock that there was a hard inquiry on my personal credit which I never authorized nor they verbally disclosed this in writing.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : TRANSUNION : XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$400.00} XXXX  XX/XX/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
Consumer complaint received 2022-04-28 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-04-28 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: DC

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. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights Treasury Department XXXX account # XXXX XXXX XXXX XXXX  account # XXXX Inquiries : XXXX Via XXXX Requested XX/XX/2022 XXXX U.S.C 1681 section 602 States I have a 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 report more than 7 years.

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 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2022 Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Checking Promotional Offer Account XXXX Hello, I opened this account for the {$300.00} bonus, which has not posted. Please advise. 

I tried to send this message via your website but it appears it no longer accepts secure emails. 

Therefore, I am prepared to conduct all future business via the CFPB if necessary. 

Yours, 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 monetary relief
Consumer complaint received 2022-04-28 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : {$400.00} XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX : {$400.00} XXXX XXXXXX/XX/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 2022-04-28 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Experian : XXXX XXXX Balance : {$0.00}

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 2022-04-28 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: Universal Recovery Corporation
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late purpose.

7280

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX I sent a letter regarding inaccurate and unknown thing on my credit report. To this day over 30 days later I have not received a response yet. i feel like im being taken advantage of and being ignored of my dispute. Section 611 it is pliantly stated that a failure to investigate these items within 30 days gives a so they should be deleted promptly. i demand these accounts be deleted immediate or i will for ligation due to the stress you caused me. 

The credit bureaus also violated 15 USC 1681 sectoin 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigation before the period under section 611 Tracking # XXXX Tracking # XXXX Tracking # 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 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I transferred {$2000.00} in payment of professional service fees to someone in XXXX on XX/XX/XXXX, after multiple visits to his bank and as he could not receive the funds, the individual called me on Sunday XX/XX/XXXX to notify me of the issue. I then called Western Union on Tuesday and have been getting the run around, I was told that the money had been sent to a different bank, I truly dont understand how that could have happened when the receipt clearly states the name of the bank to which the funds were to have been sent. And to make matters worse, no one has asked me for a call back number, they keep telling me it takes a while to hear back from the bank. At this point I dont care about their internal processes, I just want the funds delivered to the beneficiary as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have rights to privacy 15 USC 1681 Section 604 A section 2 : It also states that A consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat any late payment on a credit card account under all open end consumer credit plan as late for any purpose

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 2022-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
Sallie Mae is in violation of multiple policies. They continue to call me at work, on our main office number, although I advised them several times NO personal calls allowed. I've requested they remove my work number multiple times and to cease and desist my work number. They continue to call knowing my employer does not allow personal calls. This is against privacy policy, It's harassment as well as a violation. I have co-signed only on one loan with Sallie Mae ( in good standing ) but they keep calling me to collect on 4 different loans ( someone else 's loans ). They keep saying I cosigned for 4 loans which is false and that I owe them over {$1000.00} past due which is NOT true. This is causing me a lot of stress. My one loan, in good standing, is less than {$100.00} a month. They have requested several times for me to pay on 3 additional loans that are not in my name nor did I cosign for them. They need to STOP the violations, STOP the harassment, to START training their employees to follow Privacy Policy and to permanently remove my work number and all numbers ( except my cell ) from their system immediately as requested several times.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation