vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In XX/XX/2021, Synchrony Bank conducted an investigation which proved the XXXX XXXX XXXX XXXX issued by them was a fraud, and the letter they sent me that I sent to XXXX stated as such and that the account was removed, cleared my responsibility, and notification to the three credit bureaus. However, XXXX refuses to remove the hard credit inquiry because it only lists the account as fraud, which makes zero sense because the account being opened required a credit check that caused the hard credit inquiry. I contacted Synchrony Bank, and they refuse to send a new letter stating permission to remove the hard credit inquiry because they have a " we issue only 1 letter '' rule.

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 2022-08-08 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
CB INDIGO Card Services, XXXX, XXXX and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I set up my autopayment on XXXX XXXX XXXX website on XX/XX/XXXX. Their system had told me the payment was set up and no further action was needed. It was to my surprise when they called me a month or so after, telling me that they still had not received payment. They requested I manually pay the amount over the phone, which I did. They claim they sent me a notice of which I never received as they had my address in their system wrong. They were sending mail to my old address. I asked XXXX XXXX XXXX  to fix this multiple times over the phone and they never did, and I never received any notices in the mail. Their autopayment system messed up, even though it told me I was set up. They sent delinquencies to the wrong address as well. I can tell in their messaging system, which did not have these documents at that time they were using my old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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:
XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.

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 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as XXXX, TransUnion, and XXXX with non of them properly updating the info

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 2022-08-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as XXXX, XXXX, and Equifax with non of them properly updating the info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Due to the pandemic i Lost My job and asked the bank that owns the morgatge to help me.the help began around XXXX .they always told me that the amound would be put at the end of the loan .so i accepted because i could not pay and at the same time calm down because i always thought they would add it to the end of the loan.i was without paying My loan for around a year because My situacin was dificultd.as a result of COVID 19 And My Bad economy.it was not possible for me to pay for My house as before... Now they tell me that i owe an amount of almost XXXX dollars.and that i have to pay .i applyed for a partial claim but i had to pay almost XXXX for be accept it and i didnt have that amount. Now i applyed for a modifications but they Say they may not accept it.they lied to me.when they told me they could do it for me in the end.i can pay My loan but the normal monthly payments not that amount.i feel cheated and very worried.i don't want to lose My house.i need advice and help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM THIS MAY CONCERN I AM WRITING TO REPORT ALL OF THE INCORRECT INFORMATION LISTED ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I AM INTRESTED IN ALL ORIGINAL CREDITORS REVIEWING THE FILES WITH THE DATES, ACCOUNTS, AMOUNTS LISTED AND REMOVE THE INFORMATION IMMEDIATELY. THIS HAS HENDERED ME FROM MOVING FORWARD DUE TO ERRORS. MY CREDIT REPORT IS SUPPOSED TO 100 % ACCURATE ON ALL 3 CREDIT REPORTS. THAT IS NOT THE CASE. PLEASE REIVEW THE DETAILS IN THE FILES.

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 2022-08-08 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: TN

Complaint narrative:
Went to a car dealership and they sent up multiple hard inquiries that I did not consent to. I only wanted one inquiry.

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 2022-08-08 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: TN

Complaint narrative:
Went to a car dealership and they sent up multiple hard inquiries that I did not consent to. I only wanted one inquiry.

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 2022-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
ACCORDING TO THE NEWS LAWS FOR MEDICAL DEBT SHOULD BE DELETE FROM CREDIT REPORT AS XXXX XXXX I HAVE CONTACTED THE COMPANY SEVERAL TIMES AND THEY ARE REPORTING ON 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 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I was the victim of a Reverse Wire Transfer scam involving my Wells Fargo savings account. Please see the attached police report and Internet Complaint Center report. The Internet Complaint Center is a division of the FBI. 

Has Wells Fargo taken any steps to identify the perpetrators of this scam? Has Wells Fargo cooperated with law enforcement inquiries? What are the results to date? Please advise. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Our loan was transferred to another company during the loan modification process ( XX/XX/2022 ). Now, they are moving up back in the process by denying paystubs saying there are not dates visible or company name visible or even deductions visible. I resubmitted the exact same PDF and they accepted them and moved the process forward and then two days later declined the paystubs again after sending a letter saying the paystubs were accepted. We have called and asked what needs to be done. They have told us to talk to our point of contact, but we can't get ahold of the point of contact. The number is just the toll free number and it goes to everyone. We can't get a definitive answer on what we actually need to do to move the process forward for the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ADP Inc.
State: MO

Complaint narrative:
Someone opened an ADP payroll account, and ran a payroll in my name. With a company started in my name with all my personal information. This is extremely frustrating and unfair Ive been actively trying to resolve this matter to no avail. Please assist me in XXXX a complaint with the company to get this matter resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-08-08 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: CA

Complaint narrative:
On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I received a letter from my credit union on XX/XX/XXXX informing me that all of my existing accounts will be garnished and or frozen, due to the receipt of a writ of garnishment in the amount of {$3000.00}, effective XX/XX/XXXX. In addition, a service charge of {$100.00} had been debited from my account. The letter stated the credit union could not assist me with this matter and to contact a company listed in the letter, in which I have no idea who they represent or who the debt is supposed to be owed to. I have not received any correspondence regarding this matter. I contacted the company concerning the matter and was unable to get any information or assistance. The company requested my full name, social security number, date of birth, and address to even speak with me. I was not comfortable with providing this personal information by phone, especially to someone that I no knowledge of. They told me the conversation was over since I would not provide the information to them, and I can check with the courts. I have not received any court documents regarding this matter either. After spending hours attempting to locate information from the court, I was able to dig up information about a third party that was submitted to the courts in XXXX. This is well over the statute of limitations, and I still have no idea who the original debtor is. The company is submitting falsely dated court documents to the credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: IL

Complaint narrative:
I went to dealerships car shopping the past 2 years. I told them I only wanted my credit ran once. They ran my my credit 22 extra times. To these banks listed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX  XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/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 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In XX/XX/2021, XXXXXXXX XXXX  conducted an investigation which proved the XXXX XXXX XXXX XXXX issued by them was a fraud, and the letter they sent me that I sent to TransUnion stated as such and that the account was removed, cleared my responsibility, and notification to the three credit bureaus. However, TransUnion refuses to remove the hard credit inquiry because it only lists the account as fraud, which makes zero sense because the account being opened required a credit check that caused the hard credit inquiry. I contacted XXXXXXXX XXXX, and they refuse to send a new letter stating permission to remove the hard credit inquiry because they have a " we issue only 1 letter '' rule.

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 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX Account # XXXX Bal : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TN

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 acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # 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 explanation
Consumer complaint received 2022-08-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XXXX and TransUnion knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.

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