vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: NJ

Complaint narrative:
I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report ALL INACCURATE REPORTINGS ARE ATTACHED IN FORMAL LETTER MAILED TO THEM OVER 60 DAYS AGO!!! As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. 

The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. 

I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. 

I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of my federal consumer rights. 

I have sent disputes for removal of inaccurate PII several times to Experian. I have sent them multiple times a LAWYER WRITTEN affidavit demanding removal of the inaccurate PII. I am re-attaching the PII which was originally written and notarized in XXXX of 2022, 7 months ago. Which shows demand for removal of PII that today still shows. 

Experian still shows the inaccurate PII on my report. 

I demand that Experian follow the law and remove the inaccurate PII from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone used my identity to file a fake claim...

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I have one line of credit, a Barclay 's credit card since XXXX. I spend {$1000.00} or more a month and always pay my monthly balance. My credit score in the past has always been high. In XX/XX/XXXX I disputed a transaction. Barclay 's told me several times at the time of the dispute and recently the dispute would not affect my credit score. There seems to be no end in sight in resolving the dispute, as it has been 3 months with no update. 

Recently I ran into car problems and found myself needing a new car. Thinking my credit was good, I went to the dealer and was shocked to find out I have no credit score or no history to score on when a report was ran. I then went to 2 other banks, went through the process of getting an auto loan, and was told the same thing. I ran a report on XXXX myself, and I have no score. There is a comment on the report for my Barclay 's credit card that says " account in dispute '' and " no transaction history ''. I spend about $ XXXX {$20000.00} a year on my credit card and this is completely false. This has caused me much hardship and forced me to get a loan at a higher interest rate. I'm also looking to become a first time home owner and I have ZERO faith that my Barclay 's credit card will do anything to help my credit. I have tried to call all the available Barclay 's departments I can reach from and was told to write a letter to the Barclays FCRA Credit Bureau Dispute. The department I wrote to does not answer phone calls and only accepts letters. The Barclay 's department I spoke to on the phone can only confirm that Barclay 's does report my credit score, but could not confirm if it was being reported properly.

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 2023-02-19 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:
saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.

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 2023-02-18 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: PA

Complaint narrative:
Fraudulent account appearing on my credit report. 


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 2023-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: RI

Complaint narrative:
On or around XX/XX/XXXX, my personal information including but possibly not limited to my name, address, phone number, and social security number were submitted to Wise.com, which I understand is a money transfer service. 

Upon verifying that I did not nor have ever done business with Wise.com, I contacted them to request that my all of my personal information be deleted and any accounts open be closed immediately. 

Wise responded that banking regulations require they keep my personal information for 6 years. I explained that I have conducted no transactions with Wise.com and did not authorize their retention of my personal details, and therefore the regulations they are hiding behind do not apply to me. I further explained that I had my identity stolen via the XXXX breach several years ago and that it is critical that my personal information only reside with companies I do business with. Wise continued to hide behind bank regulations, presumably XXXX regulations, which simply do not apply in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan company is Mr. Cooper. 

Since last XXXX ( XX/XX/22 ), I've had nonstop mortgage payment reversals despite having a properly connected bank account with more than enough funds to cover my monthly mortgage. My monthly payment is {$2600.00}, plus {$500.00} applied towards my principle. 

Oftentimes, I'm not notified about these reversals until past my mortgage payment deadline. This has resulted in late fees ( {$93.00} ), as well as a lowered credit score. My credit score was close to 800, now it's at XXXX. With no solution on the horizon, I fear that my credit score will continue to drop and begin affecting my financial future. 

I've called a Mr. Cooper representative every single time a reversal has happened ( sometimes multiple times in a single month ), and they've all assured me that it's simply an internal, company-wide error that would be sorted out as soon as possible. I've also been assured that Mr. Cooper would open a case with all the major credit bureaus to erase the credit penalties I've incurred because of this issue. I've received no followup about this. 

As a result, my credit score has dropped dozens of points since XXXX and the only loan I have is with Mr. Cooper. 

It's unacceptable that I'm making my payments in full and on time, yet still getting penalized by Mr. Cooper. 

This is, by far, the worst experience I've ever had with a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Adverse Action Notice Recently, I exercised my right to credit yet was unlawfully denied that right. 
This is a direct violation of my rights as a consumer. 
15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right.

15 USC 1691 ( 3 ) I exercised my right to credit.

15 USC 1602 ( g ) - the term " creditor '' explains I am the person who regularly extends credit. I credited this transaction so how can you deny me?

15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me.

15 USC 1602 ( I ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card.

15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit.

15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction. 
15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: CA

Complaint narrative:
Here are more supporting details about this situation. I was going over my credit report back on XXXX XXXX and noticed that a company called XXXX XXXX XXXX XXXX was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to XXXX, XXXX, and TransUnion. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a XXXX-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department here in California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with XXXX XXXX XXXX XXXX. I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX, XXXX, and TransUnion. I have included more than enough supporting documents to have this account removed. I am including all reports that were received by the credit bureaus and the laws that they violated under section 605B of the fair credit reporting act.

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 2023-02-18 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: PA

Complaint narrative:
Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ON XX/XX/XXXX, I put a thaw on my credit freeze on my credit report with Experian. I put the thaw from XX/XX/XXXX through XX/XX/XXXX. Experian 's website stated that the thaw is in place for that time period. I even had my banker check it with me as I was applying for a credit card with XXXX. XXXX tried 6 times to access my report but was unsuccessful. When they tried to pull my report, the system my report was frozen. I also checked the website twice & it stated that the thaw was in place. I called 3 XXXX XXXX phone numbers of Experian and you can not get anyone on the phone to address the problem. I also put a case in online about this problem and never heard back. This is the 2nd time this has happened to me as it also occurred in 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
Consumer complaint received 2023-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XX/XX/XXXX 0f 2022 someone transfer {$5.00} K to a unknown account 1 day later i called the to stop the transaction but they did not stop the transaction its been all most one year and i still waiting for the bank to give my money back im talking about BANK OF AMERICA

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 2023-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have been in an IDR plan for several years ( since 2014 ) as I was laid off work and unable to find employment, I was basically forced into retirement and had to live off Social Security. I do occasionally pick up private contracting work but last year I didn't get any contracts and this year is looking to be the same with nothing available work wise to supplement my Social Security. Two years ago I made an additional {$8000.00} doing contract work and since Navient uses tax return information to base their IDR payment on, they have now raised my payments THIS year to the point of them taking almost a full 20 % of my Social Security, which is my only income. I can't afford these payments and contacted them explaining this, Their only solution/recommendation was to request a postponement option available on their website. The only options there are for unemployment deferment or financial hardship deferment neither of which are applicable to my circumstances due to them both being a " short term '' solution. Also, I am $ XXXX short of qualification for a forebearance. It's like a catch-22 situation, I have paid on these loans for a very very long time and now that I can't afford to make the almost $ XXXX there seems to be no avenue of recourse for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent my billing error notice months ago in XXXX via certified mail. I have not received any notification regarding investigation into this matter. There was no notice to any of the credit bureaus regarding this matter. The company never contacted me via mail regarding this matter and today XX/XX/23 no updates. 

Certified mail # XXXX XXXX XXXX XXXX XXXX or Certified mail XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
About two weeks ago I received a card in the mail that I didn't apply for and an indication that I should activate the card. I took that to mean that if I didn't activate the card, the card would not be active and the account wouldn't exist. Today, I received in the mail a statement showing I owed {$75.00} for the card for an " annual fee '' for a card I didn't order and didn't activate. 

I contacted the company and they said this was likely a case of identity fraud. However, that makes no sense as the card was linked to my cell phone and sent to my home address. I asked for a copy of my application to be sent to me and they said that they couldn't do that. I asked for the card to be canceled, the account closed, and the amount owed to be XXXX  out. I was told it would be suspended until they concluded their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have been banking with the same bank for many years and I recently closed my credit card because of it being so high and I wanted not to use it. 
since I closed it in XXXX of 2023 I noticed I have been getting 2 finale charges per month. 
1 of them is on cash advances which I understand but being charged over {$200.00} total in 2 months for a cash advance on {$400.00} is ridiculous. 
im XXXX XXXX XXXX and live on social security. 
this cant keep going on or I will file for bankruptcy

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 2023-02-18 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: PA

Complaint narrative:
I have Multiple fraudulent accounts appearing on my credit report.

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 2023-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There is belief that my auto loan on XX/XX/XXXX of a XXXX XXXXXXXX XXXX XXXX XXXXXXXX had miss applied charges and wrongful fees applied to my account of XXXX over the last two years. Ive received guidance on making a payment in a branch or over the phone but I truly believe with countless amount of representatives over many of states my account has been miss represented and falsely informed with my payments having the proper handler. The original finance agreement is {$32000.00} with a payment due date of the last day of the month and a maturity date of 19 days post due date. In which i have managed to pay month by month in which is nearing 2 years now and I believe in the saying I just work here but through this case in such institution as a Wells Fargo bank, that should not apply. With money handlers and tellers working with financial standing, life savings, investments that should not compare to a cashier asking for payment for a bag of chips or a tank of gas. I am grateful for the loan but I greatly regret seeking assistance through Wells Fargo customer services.

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 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I was not aware I could dispute the National Credit Systems collection from a debt that has zero validity. 

I began paying the collection little by little because I did not want a derogatory mark on my credit, however I stopped because I began questioning why I was paying it. 

I can not remember exact amounts, but they said I owed around {$1200.00} to XXXX XXXX which is my previous apartment. ( Current amount {$1000.00} " owed '' ) My last month 's rent should have been covered because I paid my first and last month rent in the beginning of my contract in XXXX. We moved out in XXXX during COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: LoanCare, LLC
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act this creditor, 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 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