vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: CA

Complaint narrative:
Ive submitted for some unauthorized inquires on my profile I request documented proof of these hard inquires. And i was NOT provided any type of proof. Under the fair credit act as a consumer I am able to request this information. Which I have and haven't received anything. I received a response that the inquires were verified, but was not given any documented proof of these ALLEGED inquires. This is against the law.

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 2022-10-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: DE

Complaint narrative:
I called LexisNexis several times today XX/XX/2022 to file a dispute. The representatives started taking my dispute and when it seemed to be too many items, conveniently after being on hold for 2 hours said she could no longer process my dispute and transferred multiple times until I was eventually hung up on. Their website does not allow for consumers to create an account to dispute. I am at my wits end simply trying to get a dispute filed with the company with no clear direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: VA

Complaint narrative:
I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi XXXX mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX Date:XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from XXXX  and I want them to be investigated and Deleted from 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 non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
From XXXX XXXX XXXX, I went on a trip and stayed in XXXX, Ohio. On the night of XX/XX/XXXX, my phone that had a cardholder on the back of it was stolen. In the cardholder were my license, metro card, and three cards. One was a credit card from XXXX XXXX, and the other were a debit card from Wells Fargo and a credit card from Wells Fargo. There was no cellular service in the area during my entire trip, so I was unable to log in to my bank account from another phone to shut off my cards. On the day of XX/XX/XXXX upon returning home, I was able to log into my bank accounts and saw that there were several hundred dollars worth of fraudulent purchases on each of the three cards. I immediately contacted XXXX XXXX and Wells Fargo to report fraudulent purchases on my cards. XXXX XXXX refunded me within the next few days. Wells Fargo also refunded me for the fraudulent charges on my credit card. Regarding my debit card, I reported 10 fraudulent charges that were made on my card totaling {$910.00}. Wells Fargo contacted me via email on XX/XX/22 stating that they had processed my claim. I checked on their website and saw that the fraudulent claim for {$910.00} was denied and the case had been closed. I called a few days later asking why this occurred and they reported that after reviewing the claim, no fraudulent activity was detected. And yet, Wells Fargo approved my credit card fraud claim. It makes no sense to me that they would approve one fraud claim on one card and not the other. My guess would be that whoever used my debit card got the vendors to run my debit card as if it were a credit card, meaning that they were able to bypass having to enter a pin number which only I know. Otherwise, they would not have been able to use my debit card. Also, the area I was in during my trip had thousands of vendors who had their own systems and devices for collecting card payments, which would have made it easy for whoever used my cards to continuously run my cards and have my debit card be charged as a credit card instead. However, I made it very clear on the phone when filing the fraudulent claims on both my debit and credit cards that my phone had been stolen with all cards in the cardholder in the back and that I did not authorize or make any of those purchases. I also explained that I did not have any access to cellular service during my trip which prevented me from logging into my account, shutting off my cards, and reporting the fraudulent charges earlier.

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 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: WY

Complaint narrative:
The person who called me representing Credence debt collectors refused to tell me the company name unless I gave them personal information. They wanted my name, addresses, and phone number before they'd tell me the company or if they were a debt collector. They were a call center in XXXX that was calling on behalf of a company in the XXXX. I repeatedly asked who they were calling on behalf of. I was transfered to a " supervisor '' who also refused to answer any questions without me giving him sensitive information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/22 someone reported to TransUnion a " collections '' account that I have no knowledge of. It is a collections agency called " XXXX  '' claiming I owe them money from their client " XXXX XXXX  ''. I know nothing of either. I have not been in a hospital in 40 years. 

On XX/XX/22 I filed a Dispute with TransUnion online. On XX/XX/22 their results of their investigation was " Verified ''. That is all of the information that I was given. 

On XX/XX/22 via an online chat from my account at TransUnion ( transcript available ) I asked the agent for clarity and the proof they have that the claim is valid or " Verified ''. TransUnion simply refused to provide me any further information. They said that I need to call this claimant directly. I am being asked to call directly the crooks that are trying to rob me and am being refused my own information. 

So my complaint is with this credit reporting agency themselves that is allowing someone to adversely effect me, and at the very least taking their word for gospel and at most simply refusing to provide to me any sort of proof or documentation that one would think they would have on file in order to validate the claim against me. They have the information, I can only assume, that shows validation and they are refusing to provide me, the consumer, that information. 

Again, I should not be forced to call the crooks that are attempting to rob me. If all is valid, I merely seek the proof from the reporting corporatation ( TransUnion in this case ). If there is no supporting proof, then the claim needs to be removed from my credit report with them.

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 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
I have a mortgage with a mortgage company, this company has had so many complaints against them, yet nothing has been done to stop them preying on the consumer. In fact the more complaints made, the more help they seem to be getting from the Federal Government. In fact they got over XXXX XXXX dollars for covid relief they have helped no one. I recently applied for help from the haf program, I am within the guidelines as to what Haf will pay what the mortgage company did was inflate what I owe by {$11000.00}. therefore disqualifying me for the grant, no one has been able to justify this. HAF is telling me that they have to go by the amount the mortgage co.states, in other words if the mortgage company says you owe certain amount thats what they have to go by, my statements are clear as to what I owe, Haf is saying that they cant accept my mortgage statement. I feel so violated. Calls to the servicer validate that the amount on my statement is correct. I need help, I feel that I qualify for this grant and the mortgage company should not be able to do this and get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: VA

Complaint narrative:
I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name XXXX XXXX XXXX  XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted from 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 non-monetary relief
Consumer complaint received 2022-10-17 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: VA

Complaint narrative:
I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
I have paid my loan in full to my loan servicer, EdFinancial Services. However, I have chosen to request that approximately {$10000.00} of my loan payments be refunded to me per my right through the CARES Act. Between XX/XX/2022 and XX/XX/2022, I have made 13 phone calls to EdFinancial making my request known only to be met by vague and unhelpful responses from employees. Answers from EdFinancial have ranged to the effect of it's being processed '' to " we're unsure we'll be able to honor your request by the end of the year '' to " because your account is closed, we are having a difficult time moving forward. '' My previous 6 calls as of XX/XX/2022 have all been immediately disconnected by EdFinanicial. I am unsure whether it is incompetence or purposeful obstruction being committed by EdFinancial but they continue to fail to meet the mandate of the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TX

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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A 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 an account without my written instructions.

15 USC 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 USC 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 2022-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
On XX/XX/XXXX, I signed a contract to purchase a heat pump from XXXX XXXX. XXXX XXXX had referred me to XXXX XXXX XXXX who came out and did the quote and the subsequent installation. After rebates, the total amount came to {$14000.00}. Part of the contract was a 24 month no interest credit card from XXXX XXXX. I applied for the card using the on-line website that the individual who did the quote had on his laptop. My first bill had a statement date of XX/XX/XXXX, making my last payment statement date XX/XX/XXXX. I set up an automatic payment of {$620.00} per month, which would equal {$15000.00} over the 24 months. Once set up, I did not look at any on-line statements or otherwise check the account. A few weeks ago, I went into my on-line account with HDCS and much to my surprise, I saw a balance of {$3100.00}. I was expecting something less than {$700.00}. After researching back my account, it appears that XXXX only gave me 12 months free interest. On the statement of XX/XX/XXXX, all back interest, totally {$1800.00} was applied and then monthly interest from then on. 

I called XXXX on XX/XX/XXXX and asked what was going on. They would not reverse all the interest charges, despite them breaking my contract, because they said too much time had passed since XX/XX/XXXX. They did reverse three months of interest and I specifically asked them to make a note on my file that I was not satisfied with this result. 

Unfortunately, I never received a paper copy of my initial application, I assume because it was done on-line, but I distinctly remember the quoter pointing out on the form where the 24 month interest free was stated. HDCS could not provide me with a copy of my electronic application when I call. I also reached out to XXXX XXXX XXXX and XXXX XXXX and neither could provide me with a copy. This seems very strange to me. 

I believe HDCS did not process my original application correctly and entered 12 months rather than 24 months. You can see by my monthly payments that I was expecting 24 months. If I knew it was only been 12 months, then I would have changed my payment to {$1200.00} and been done before any interest was charged. 

I did reach out to the Vermont Attorney Generals office and they referred me to you. I hope you will have better luck getting the interest reversed. I have attached a file that shows the specific transactions.

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 2022-10-17 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: OH

Complaint narrative:
see attached

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 2022-10-17 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: AZ

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 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 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 2022-10-17 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:
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 XXXXXXXX : # 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  : # XXXX  XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: KY

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 U.S.C 1681. 
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

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

15 U.S.C 1681 C ( 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 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