vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: IN

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND 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 non-monetary relief
Consumer complaint received 2023-02-03 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: IN

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On or about XX/XX/XXXXXXXX the Law Firm of XXXXXXXX issued a payment to my PayPal account in the amount of {$130.00} for my portion of a class action settlement against XXXX XXXX XXXX PayPal, though its servicing bank, Synchrony Bank, misapplied the payment and refused to make the necessary adjustment to apply the payment to its rightful location my account. I filed a dispute with PayPal/Synchrony ( PayPal ) which went nowhere for several weeks. 
After XXXX months, PayPal finally processed the refund, only to reverse it without justification on XX/XX/XXXX. 
This is not the first issue I have had with Synchrony Bank. Refer to CFPB Case No. XXXX XXXX in which Synchrony erroneously posted a hard inquiry to my XXXX credit profile, causing an erosion to my credit score, subsequently acknowledged this error yet refused to remove the inquiry.

There is a SERIOUS issue with Synchrony Banks accounting/controls and I am being victimized as a direct consequence.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has scammed me out of money

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 2023-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax -- -I have mailed them on 2 or 3 different occassions explaining to them that I have NO account with XXXX XXXX XXXX. 
Not only has it been over 30 days, they never even responded back in any form. 

I have NO rights with them, they get paid from these companies and us little people are left behind. 

Can I sue them for this false information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My identity was stolen. Through an XXXX XXXX service I became aware that someone was trying to open accounts and set up credit cards in my name. I instantly froze my credit through XXXX, Experian, and XXXX. I also called each of the credit lenders I was aware of ( XXXX, XXXX XXXX, XXXX, XXXX ) to report the fraud. 

I then received an email from Experian indicating my email address linked to the account had been changed. I was then unable to log back into the account and Experian said my username did not exist, so I clicked " Forgot Username ''. After entering personal information I was told my username had been sent to a XXXX- which is not my email address. So I had no way to recover my account and it was likely that this person had unfrozen my credit through Experian. 

I have read that Experian has a unique vulnerability that neither XXXX nor XXXX have. A bad actor can simply create a new account using the stolen information ( SS #, name, DOB, and address ). 

I tried to copy this method and create a new account under my name, but the Experian website said it was having problems processing my request. I tried to call Experian. I was able to get in touch with a person who said the problem was being escalated and gave me an escalation number and said I would hear from someone else. I have not heard from anyone else and it is incredibly difficult to get someone on the phone at Experian.

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 2023-02-03 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: NC

Complaint narrative:
I went to car dealership apply for a car i did not approve for my credit to be pulled however im showing other hard inquries i did not authorize. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03 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: NC

Complaint narrative:
I went to car dealership apply for a car i did not approve for my credit to be pulled however im showing other hard inquries i did not authorize. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 Wells Fargo Ran my credit check for mortgage loan I have not applied or asked for loan from Wells Fargo, They ran my credit without my consent, They have not replied back yet after sending fax, and emails to Wells Fargo, they can not find any transaction but it has shown as a hard inquiry on my credit report. The Reference Number I got from XXXXWells Fargo Mortgage XXXX XXXX # XXXX. Someone ran my credit in Wells Fargo and they are not letting me know or replied back to my emails, Wells Fargo Mortgage Customer Service can not find this reference in their data base they are saying. I need this to be removed from my record and know who ran my credit without my consent, i was waiting to apply for home loan but now its on hold because of this.

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 2023-02-03 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: TX

Complaint narrative:
I have been disputing these inaccurate accounts on my credit reports for some time now. XXXX XXXX and XXXX XXXX are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit 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 2023-02-03 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: NJ

Complaint narrative:
Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TX

Complaint narrative:
I have been disputing these inaccurate accounts on my credit reports for some time now. XXXX XXXX and XXXX XXXX are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have a mortgage from HUNTINGT MTG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called HUNTINGT MTG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and HUNTINGT MTG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in in XX/XX/2022. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue may be resolved 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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
I believe the company I pay my mortgage to, Lakeview Loan Servicing, is in violation of federal law. 

Lakeview Loan Servicing , LLC XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I called XXXX in XXXX because I saw that my escrow account had a balance of {$1600.00} at the end of XXXX after they had already finished paying my XXXX homeowners insurance and my XXXX XXXX XXXX XXXX XXXX. I asked if any of that would be returned to me. The rep said that the company does an escrow analysis of all accounts in XXXX and should there be an excess, they would issue refund checks. 

Having not received any refund, I logged in and looked at my account. Their analysis showed that due to a $ XXXX increase in my insurance and my taxes that, actually, instead of a surplus they concluded that I had a shortfall of {$600.00}. And so, rather than increase my monthly payment by, $ XXXX ( the actual amount of my rising insurance premium and property tax ), or rather than a monthly increase of {$50.00} that would cover their own calculated XXXX annual shortfall amount, they are instead increasing my payment by $ XXXX starting on XX/XX/XXXX! Any increase would seem unwarranted as I pointed out that my end-of-year balance was {$1600.00}, more than enough to cover the {$600.00} increase. That made no difference they said. 

I asked them to explain their bewildering ( to me ) calculations and was told that my minimum escrow cushion is four times the new expected monthly disbursement ( {$560.00} for XXXX ), hence my {$1600.00} surplus was insufficient to cover {$560.00} times 4, or {$2200.00}. 

This would appear, to me, to be against federal law, which limits the escrow cushion to two months, one-sixth ( 1/6 ) year, of the estimated total annual payments from the account. 

From the Consumer Financial Protection website : https : //www.consumerfinance.gov/rules-policy/regulations/1024/versions/17/ 1024.17 ( c ) ( 1 ) ( ii ) ( ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in 1024.17 ( f ).

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 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
FAIR COLLECTIONS & OUT/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Alleged account XXXX Date opened XX/XX/XXXX {$7400.00} bal I do not owe this company. I never had an account with them and the company they claim to represent is a apartment building that I do not owe and have previously taken to court for overcharging. Court found me in favor back in XXXX but somehow these companies have put this fraud balance and negative collection on my credit report. I have disputed it but they keep putting it back. XXXX states it can only be disputed by cAlling XXXX reference Report # XXXX. But this is an automated system that doesnt allow you to speak to representative.

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 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OK

Complaint narrative:
I had 3 deferred payments on an auto loan, and was not made aware that the total balance would be due when the loan matured. No one stated this to me when I deferred the payments. 

Because no one told me this would happen, my credit score dropped XXXX points. To some it may not seem like much, but for those of us who are trying to build credit, it has a high impact. 

No one in the company put any effort in to helping me on this issue. In fact, a supervisor called me back 24 HOURS AFTER I had put in a call back request just to pacify me, and rudely implied that there is nothing they can do about it. 

It was reported that I owed a balance that is {$200.00} more than the representative told me I actually owe. 

This isnt the first time Ive had communication issues with the bank. 
It is almost impossible to speak to someone without being on hold, or constantly updating contact information that has stayed the exact same. 

I figured this bank would fairly treat its valued customers they seem to address us as. I would advise anyone against using this bank due to their lack of customer service and transparency in the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: NJ

Complaint narrative:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2023-02-03 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: GA

Complaint narrative:
I have not authorized the companies listed below to view my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXXXXXX XXXX  capital charged me back twice for singular credits. They have a long history of such acts and I want the FDIC to force them to stop bullying me and threatening my good credit rating with fraudulent debits. I refuse to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. 


There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. 


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 late payments- resulting in XXXX violating my federally protected consumer rights. Additionally, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. 

I was the victim of a scam and I'm still having trouble because of that.

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