vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: NC

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 XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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 non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I got a synchrony bank card in XXXX. I tried putting in my bank info to make auto payments. I thought this went through but I got a call three days later telling me I was late on my first payment and needed payment. I explained what I did and thought it was paid. So they charged me a late fee. Every month after I have called and complained because my monthly payment went way up. I was furious. They wouldnt wave my fee even though I was told they would. Two months ago they took out two auto payments so I called to ask why. Their error and they would refund one payment. I only got half of one payment. I called again they told me the back end wouldnt pay me and said it was due to having a late fee. I again argued almost in tears. I have not been late!!!! They continued last month to take out more fees even when Im on auto pay. I just got an email telling me next month is also more then what I even signed up to have my payments be. I have been told many times what my minimum payment is but they DO NOT charge that. They charge way more. Im so frustrated. Im at my wits ends. Ive cried. This is so wrong. I need help to resolve this please.

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 2023-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo refused to modify my mortgage after 20 years of payments when I had XXXX in equity and I was DUAL TRACKED, GIVEN IN EXCESS OF 45 different agents as special assistance lied to about date of foreclosure, charged excessive fees, refused to be allowed to pay additional on principal, and now refused assistance and compensation for wrongful foreclosure when I QUALIFY UNDER HAMP AND THE AGENT REFUSES TO ASSIST OR RESPOND. I lost my home, equity, my job, was hospitalized, AND Zit destroyed my life due to their lies. 

I WANT FULL COMPENSATION FOr LOSSES. I ALSO WANT COPIESVIF ALL RECORDS RELATED TO THIS MORTGAGE

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 2023-02-28 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-28 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: TN

Complaint narrative:
Hello, I am a victim of identity theft and fraudulent accounts and inquiries are listed on my Equifax and XXXX credit report I pulled on XXXX. Below are the fraudulent accounts and inquiries in full detail, Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX, Incorrect Address : XXXX XXXX, XXXX, TN XXXX. XXXXXXXX XXXX XXXX  XXXX {$15000.00} ( XXXX XXXX ) XXXX. XXXX XXXX XXXX {$25000.00} ( XXXX XXXX ) XXXX. XXXX and XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX Equifax XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX {$22000.00} XXXX ( XXXX XXXX ). I certified mailed a FTC Report listing this fraudulent items but the credit bureaus Equifax and XXXX has yet to remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TN

Complaint narrative:
Hello, I am a victim of identity theft and fraudulent accounts and inquiries are listed on my XXXX and XXXX credit report I pulled on XXXX. Below are the fraudulent accounts and inquiries in full detail, Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX, Incorrect Address : XXXX XXXX, XXXX, TN XXXX. XXXX. XXXX XXXX XXXXXXXX {$15000.00} ( XXXX XXXX ) XXXX. XXXX XXXX XXXX {$25000.00} ( XXXX XXXX ) XXXX. XXXX and XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. Bank XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX {$22000.00} XXXX ( XXXX XXXX ). I certified mailed a FTC Report listing this fraudulent items but the credit bureaus XXXX and Experian has yet to remove these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: Nelnet, Inc.
State: GA

Complaint narrative:
I recently checked my credit report and notice that XXXX, XXXX XXXX  XXXX are listing a student loan listed on my credit report from the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Account number XXXXXXXX XXXX  XX/XX/XXXX  The two accounts listed are not my accounts under the Fair Credit Reporting Act the Accounts listed needs to be validated and the proof of promissory note and issuer signature. you have 30 days to present the items listed ; I demand that both accounts needs to be permanently removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act Dept of EducationXXXX , 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: AZ

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act Dept of EducationXXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I never gave my written consent to pull my credit from the list provided blow. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never gave my written consent to pull my credit from the list provided blow. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
Credit collections services added a negative item on my credit report in XX/XX/2022. They allege that it was from an overdue bill for auto insurance by XXXX XXXX  in the amount of {$250.00}. I never received any communications from them prior to the item being reported to the credit bureaus. I requested a removal but no success

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: MI

Complaint narrative:
I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( XXXX ) and one-half ( XXXX ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/2022. For whatever reason XXXXXXXX XXXX XXXX have placed my current address to an address I have not lived at in XXXX Florida -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX XXXX disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet XXXX has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. XXXX may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for which both register as pain. During those periods I am unable to use a computer or phone.

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 2023-02-28 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-02-28 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: IL

Complaint narrative:
I never gave my written consent to pull my credit from the list provided blow. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX  XXXX : # XXXX has all 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.

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 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: MN

Complaint narrative:
Please see the attached Rebuttal Letter regarding Ombudsman CFPB. 

Subject : My complaint letter for your attention Email body : To whom it may concern, Please be advised that I have been scammed by a fraudulent company and individual and the payments were authorized and proceeded by your organization. 
I have attached my complaint letter for your reference, I ask you to treat this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: OR

Complaint narrative:
It is EXPERIANs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2021 and a 90 day late payment posted in XX/XX/2021. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-02-28 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: GA

Complaint narrative:
I started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXXXXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I was experiencing problems with my XXXX XXXX. I did a XXXX search to obtain the telephone number for XXXX support, and was provided this number ( XXXX. I called the number, and spoke with someone, who said that he was a member of XXXX XXXX. During the course of our conversation, I was told that my XXXX were still under warranty, and that I would be receiving a replacement in the mail at no cost. 

In order to verify my address and identity, I was asked to provide a credit card for that purpose. My credit card was not available at the time, so I was asked if I had Cash App XXXX XXXXXXXX. Even though I was repeatedly told that no money would be withdrawal from my account during the verification process, the person pretending to be an XXXX employee manipulated me into making the following fraudulent transactions : {$1400.00} unauthorized withdrawal from my XXXX XXXX XXXX XXXX account. 
{$410.00} unauthorized withdrawal from my Cash App account ( see attachments ). 

Under the circumstances, I had no reason to believe that the person I called was not an XXXX employee, and as a result, I was manipulated into using my Cash App to make the above mentioned fraudulent transactions. I filed a dispute with XXXX regarding the {$1400.00} unauthorized transaction, which is currently under investigation ( see the attached XXXX emails ). 

With regard to the {$410.00}, I am requesting that the Consumer Financial Protection Bureau investigate the {$410.00} dispute with Cash App and take appropriate actions. In accordance with the Electronic Fund Transfer Act, the transaction was fraudulent, and therefore unauthorized. The relief sought is that Cash App credit my Cash App  account in the sum of {$410.00}, the amount of the fraudulent transaction. For questions or additional information, I can be reached at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
In XXXX of XXXX I was {$3800.00} behind in condo dues to XXXX XXXX XXXX for my Condo. on XX/XX/XXXX I made a {$4400.00} payment to XXXX XXXX XXXX to pay my back dues and credit for XXXX, XXXX dues. On XX/XX/XXXX I received a letter from Wells Fargo Mortgage Indicating that they made a payment to XXXX XXXX XXXX on my behalf for {$4200.00} without my knowledge or permission indicating that I would have to pay them the money back. I contacted them immediately to let them know that the dues had been paid back in XXXX of XXXX and that they will need to get the funds returned to them from XXXX XXXX XXXX in full since the dues were paid and They maid the payment on there own initiative. I have maid all condo dues payments since XXXX and my account is and has remained current since my XXXX payment and can not afford to pay over {$4000.00} twice especially when I do not owe the second sum of {$4000.00}. When I spoke to the Wells Fargo mortgage Representative She indicated that they would get the funds refunded back to them from XXXX XXXX XXXX which they have not done to this day 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 explanation