vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
My credit was use without my Permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
had a Victorias Secret card forever. Tried to use it at Victorias Secret in XXXX XXXX and was told I would have to apply again. So I did and it was approved immediately. I spent XXXX on XX/XX/XXXX and paid the full amount on XX/XX/XXXX. Then on XX/XX/XXXX I charged XXXX and paid the full amount on XX/XX/XXXX. I then received a notive in my email that the account was on hold and that there was suspicious activity oon my account. When I checked the account, there was no suspicious activity on it, so I called the customer service number and was told I would have talk to the fraud department and I was connected to them. I told the man who answered that there was not any suspicious activity and he told me that I would have to send them a copy of my Drivers license front and back and a copy of my social security card front and back. I told him that I had never been asked for these items before and he said I had to do it or they would cancel my account. Since I have plenty of credit cards I didn't really need this one so I didn't sent the requested items and they cancelled my account. Then I went to XXXX XXXX  XXXX and bought my flooring and had to apply for their card. So I did and it was approved right away again. This was also with Comenity Bank. on XX/XX/XXXX. for XXXX. I got a promotional deal for no interest if paid in full by XX/XX/XXXX. On XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX XXXX I paid another XXXX. I have never been late with a payment and I am paying more each month than is being required and now I am told that this account is cancelled. With all the scams and fraud going on right now we should never be asked for the information that they are asking for. They seem to be a little crooked themselves. I really don't need either of these accounts but I certainly think Comenity 's credit department should be investigated. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX BANK. The alleged creditor XXXX BANK is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX BANK. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My XXXX XXXX bankruptcy was XXXX on XX/XX/2016. I live in Michigan and this should be deleted from all XXXX credit reporting agencies. It's been over 7 years. Come on now you know this is illegal.

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 2022-08-03 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: MI

Complaint narrative:
My XXXX XXXX bankruptcy was XXXX on XX/XX/2016. I live in Michigan and this should be deleted from all XXXX credit reporting agencies. It's been over 7 years. Come on now you know this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: PA

Complaint narrative:
In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I called EQUIFAX on XX/XX/2022 at XXXXam to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXXXXXX XXXX XXXXXXXX. EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
I was told that my mortgage was six months behind, and the mortgage company company can't tell me what months I fell behind. They said that I owe them XXXX dollars but I'm disputing that amount. Now they have remodified my loan my payment increase and they increase my interest rate too.

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 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
Specialized Loan Servicing paid my property taxes late. I received a notice from XXXX XXXX XXXX requesting a balance due of {$50.00}. I called on the balance due notice on XX/XX/2022 and was told that from the XXXX XXXX XXXX that my property taxes were due on XX/XX/2022 and they did not receive payment from my loan servicing company until XX/XX/2022. I called loan servicing company on XX/XX/2022 and they told me they would research for a resolution. They did not pay the late penalty and interest so when we sold our property the title company withheld {$84.00} to pay XXXX XXXX XXXX. 

I want a refund issued to me from my loan servicing company in the amount of {$84.00} immediately as I did not pay this bill late so I shall not be held responsible. 

Specialized Loan Servicing had just taken over my loan servicing on or around XX/XX/2022 from XXXX XXXX XXXX  never have I had such terrible loan servicing from a lender. 

I just contacted XXXX XXXX XXXX again today XX/XX/2022 and was told that they received the late penalty and interest from XXXX XXXX XXXX and posted the payment on XX/XX/2022 and we closed on the sale of this property on XX/XX/2022 in the amount of {$84.00}. 

Specialized Loan Servicing is saying they are not responsible for refunding me my money because I already paid of my loan and it was not their fault that they paid with my escrow account my property taxes late.

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 2022-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NM

Complaint narrative:
Background : Between XXXX and XXXX I owned condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NM XXXX. I sold it sometime in XXXX or XXXX and since then have had no further involvement with that property. The sale was conducted through a title company and all outstanding bills were settled at that time. 

XX/XX/XXXX : I received a demand letter ( copy attached ) from Diversified Adjustment Service ( DAS ), XXXX, MN for a bill from XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) that I did not owe. The DAS letter did not provide the service address or the service dates. I called DAS twice and spoke first with XXXX and then with XXXX. XXXX provided me with the service address which was condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. 

XX/XX/XXXX : I called XXXX ( XXXX ) and spoke with XXXX. I explained the background and the DAS letter. She called me back in about an hour and apologized for the XXXX error. She said that XXXX would advise DAS that the debt had been satisfied. I asked for a letter assuring me that this " debt '' would not appear in my credit bureau file or any information that I had paid it. XXXX said she could not do that and that I would have contact DAS and the three credit bureaus individually to get any information they have corrected. I am XXXX years old and I don't need this aggravation. I believe that this bill qualifies as a zombie loan and that the statute of limitations was passed many, many years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: OR

Complaint narrative:
I bought a NetSpend card put money on it to pay a bill, then was denied account activation to use the card.my bill is past due with added fees, and still haven't received a refund check it's been a month Every time I get ahold of them I'm told I have to wait 10 days or they hang up on me.I Now owe double with extra fee's.I think they need to compensate me 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 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently pulled a copy of my credit report on XXXX and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX BK which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.

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 2022-08-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently pulled a copy of my credit report on XXXX, and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX XXXXXXXX which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was laid off from my job due to XXXX and was unable to make payments on my Chase Freedom credit card. I work in sports and entertainment, and my entire industry was on hold due to XXXX. I finally received employment again in XX/XX/2021. When I received my letter of employment, I immediately called Chase to accept the settlement offer that was offered to me. I have an excellent credit history and am just now coming out of the financial hole that XXXX caused. I am getting ready to buy a home and the late payments and charge off on my account are effecting my credit in an extremely negative way. It is the only negative thing on my report. I don't think that a hardship like losing my job during XXXX and being unemployed should force me to have less than stellar credit. I only wish that the senate made it mandatory for late payments and collections during XXXX to be deleted from personal credit reports instead of leaving it up to the lenders themselves. I will continue to dispute this until you find the decency to remove the late payments and charge off/collection status from this account on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My credit was use without my Permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My credit was use without my Permission

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