vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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.

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 non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: AL

Complaint narrative:
I have been with my mortgage company since XX/XX/2017 without ever having any late payments and I unexpectedly lost my younger brother ( due to XXXX too many XXXX ) and for that month I mistakenly made my payment from the wrong account, I immediately saw the mistake but it was already submitted, I called in and explained the mishap and the CSR stated to me that I had never had a late payment on my account but once transferred over to the department that handles that issue they were not willing to help me out and pretty much reprimanded me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
I set up a crypto account over a year ago. It is/was linked to one of my bank accounts which funded the bitcoin purchases. I needed to withdraw and sell my bitcoin today to find that I no longer have an account linked to send money to, only able to send money to Gemini. No one home to answer the phone, only a chat bot that suggests multiple reasons my account would be locked, none of which are applicable and nothing specific provided. I emailed support and was told that I need a wallet address to withdraw to, and while I can purchase bitcoin via my bank account, they tell me that I can't withdraw back to my bank account, then provide no service to obtain or set up this 'wallet '. Reviewed online of complaints and clearly Gemini has done this to thousands of people who have put out horrible reviews with same issue. I hope you can only compel a resolution. I am also hoping that you can provide me with some direction aside from hiring an attorney to get my money back ( i.e. crypto overview agencies or other resources that may be able to assist? ) Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I filed XXXX in XX/XX/XXXX, which was XXXX in XX/XX/XXXX. This included my XXXX XXXX XXXX. The loan was removed from my credit report but then was put back on and into repayment in XXXX of XXXX. They are still trying to collect on this loan, even though it was XXXX. I have tried to talk to Navient but they keep telling me that it's not eligible for XXXX with no explanation as to why not. I have {$100000.00} of Federal student loans so figured with the private loan being XXXX it would help a little. 

Can you please help me figure out what to do? My XXXX lawyer went back and forth with a Navient lawyer for some time but nothing was resolved. From there, I had to have my lawyer send an email saying he was no longer representing me just so I could talk to someone about my loan and try to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: IN

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: KY

Complaint narrative:
I applied for the Fidelity Visa Signature card c. XX/XX/23 through the online site and the application was ambiguously denied. After receiving the denial, I called on XX/XX/23 to obtain instructions on how to complete additional verification if possible. However, no verification representatives were available during normal business hours.

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 2023-07-24 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: TX

Complaint narrative:
To whom it may concern, I asked the credit bureau to validate these accounts. It's been well over 30 days and I didn't receive anything from them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, 15 U.S. CODE 1681c2 a consumer shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
Name of Companies and account numbers. 
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 These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. CODE 1681b Permissible purposes of consumer report as they are ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY! 
Please send me a new credit report reflecting the changes. 

Thank you, 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 explanation
Consumer complaint received 2023-07-24 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
This consumer reporting agency, Early Warning Services and XXXX XXXX is reporting inaccurate, outdated, or invalidated information on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
This consumer reporting agency, XXXX XXXX XXXX and Chex Systems is reporting inaccurate, outdated, or invalidated information on my consumer file.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
It states that i was late paying XXXX XXXX and I wasnt. I have attached a form from XXXX XXXX stating that I was never 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 2023-07-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are ALL FRAUD UNAUTHORIZED HARD INQUIRIES. I've filed and submitted with FTC back in XX/XX/XXXX, placed a fraud alert on all bureaus, and have asked Equifax to remove these inquiries. They've failed to remove and or investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am notifying you of my intent to sue in the XXXX XXXX of XXXX XXXX. I have made several attempts to settle this matter with you personally, but to no avail you continued to violate my rights as a consumer and a natural person under God. I notified you about 15 USC 1692c ( c ) and to validate the debt pursuant to 15 USC 1692g ( b ), however, you failed to cease communication to credit reporting agencies and other third parties. You never properly validated the debt and failed to provide the verification that I requested. The responses you sent me will serve as proof that you have violated my rights as a consumer and a natural person. May I remind you that I have the right to be informed, the right to privacy, the right to be heard, and the right to redress. Your actions have publicly defamed me, including my credit worthiness, credit standing, credit capacity, character, and general reputation. You were supposed to exercise your grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Due to your unfair practices, I have lost confidence in XXXX XXXX XXXX. I am suffering from XXXX XXXX XXXX XXXX XXXX all in which I am currently seeking counseling for. The number of damages you have caused me is unbelievable. You are civilly liable to me for such damages pursuant to the FDCPA, FCRA, and The Gramm-Leach-Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays AARP Travel Rewards points were taken from our account on their website several times.Also account information such as address, phone numbers, email addresses and banking information changed. Rewards points were deposited into accounts that were not ours. This happened several times. We have never used their online service so dont know how someone was able to go into our account and keep changing information. 
Dollar amount taken from our account.. XXXX{$800.00} in XXXX XXXX, {$60.00} in XXXX XXXX, {$93.00} in XX/XX/XXXX, {$65.00} in XX/XX/XXXX XXXX  for a total of {$1000.00} stolen from us. When we first reported the incident in XX/XX/XXXXXXXX  Barclays said it would take about two billing cycles to get our points back as well as having us place a verbal password on our account but our points continued to be stolen. Each incident we have asked when we will get our points back and are told maybe another 2-3 weeks. I have spoken to several managers and am always told that they would escalate my issue. We just keep getting the run around and have been more than patient with them and I feel 7 months is more than enough time to get our points back. Account is supposedly locked right now but someone was still able to get access into in XXXX. They have done nothing to resolve this issue.

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 2023-07-24 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hereby dispute the non-reporting of my XXXX XXXX individual credit card account on my Equifax credit report. It has come to my attention that my individual XXXX XXXX XXXX account ending in XXXX is not being reported to Equifax, which is having a significant negative impact on my credit score and financial profile. I kindly request that the matter be thoroughly investigated, and the necessary actions be taken to rectify this discrepancy in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA, creditors are obligated to report accurate and complete credit information to credit reporting agencies such as Equifax. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) specifically states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. It is evident that XXXX XXXX has not complied with its duty to provide accurate information to Equifax concerning my credit card account. This has resulted in the omission of crucial credit history data from my Equifax credit report, leading to an unfair and unjust assessment of my creditworthiness. I have verified with XXXX XXXX that my individual credit card account is active and in good standing. All payments have been made on time, and the account reflects a positive payment history. Therefore, the non-reporting of this account is a clear violation of the FCRA and has unnecessarily affected my credit standing. I urge Equifax to conduct a thorough investigation into the non-reporting of my XXXX XXXX credit card account and promptly take corrective measures to update my credit report with accurate and complete information. It is essential that you comply with the FCRA guidelines and ensure that all pertinent account details are appropriately reflected in my credit report. Please keep me informed of the progress of the investigation and provide written confirmation once the matter has been resolved. Thank you for your prompt attention to this matter, and I anticipate a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2023-07-24 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: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
The escrow portion of my loan was written up incorrectly, as my property taxes are paid quarterly and this information was given to the underwriter several times. Yet the loan was set up to pay the property taxes annually. The county tax collector 's office told me that any checks received for my property tax after XX/XX/2023 will not be accepted and mailed back. So I am now paying out-of-pocket for the property tax and making escrow payments for something Discover Home Loans is not paying. I have called several times over the last two months. No one has helped and my formal request to remove the escrow was denied. They refuse to rewrite the loan or put the funds back that were returned to them from the county tax collector. They tell me to refinance with someone else to fix this myself, but that I will have to pay them a fee in order to do so. I am happy to provide documentation if you are able to help address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX  under my name and different social fraudulently I have reached out to XXXX  as well as debtors both have not corrected this fraudulent information for account WF/XXXX  XXXX  that begins or ends with 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