vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
his is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened yje account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports Consumer reporting agency 's produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general Equifax is furnishing inaccurate information on your consumer reports which is a direct violation of 15 usc 1681e ( b )XXXX XXXX XXXX XXXX is reporting inaccurate Information on my credit and I put Equifax on notice. I would like to know the procurers of their investigation in written. Equifax deleted account and then reassigned back on to my credit filer which is illegal. See attachment. I also would like to introduce new exhibit showing reporting of this account out of compliance according to Metro 2 standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: GA

Complaint narrative:
XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru XXXX XXXX XXXX. XXXX XXXX XXXX that XXXX XXXXXXXX XXXX  was removed from my consumer report dated XX/XX/22. 
I have enclosed the document stating this fact. 

I filed a complaint on XXXX to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The XXXX report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company. 
I have enclosed a copy of the current credit report from XXXX showing the update and not removal. 

I am also seeing this company on my TransUnion credit report. 

This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy. 


I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my XXXX report, there are 13 repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the XXXX report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and XXXX continues to show inconsistency with other reports.

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 2022-10-21 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: GA

Complaint narrative:
XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru XXXX XXXX XXXX. XXXX XXXX XXXX that XXXX XXXXXXXX XXXX was removed from my consumer report dated XX/XX/22. 
I have enclosed the document stating this fact. 

I filed a complaint on Experian to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The Experian report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company. 
I have enclosed a copy of the current credit report from Experian showing the update and not removal. 

I am also seeing this company on my XXXX credit report. 

This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy. 


I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my Experian report, there are 13 repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the Experian report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and Experian continues to show inconsistency with other reports.

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 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
MOHELA has reviewed my Public Student Loan Forgiveness Application. I received a letter from them today, indicating that my employer did not complete their paperwork to certify my employment correctly. I went back through paperwork from all employers, since MOHELA did not specify each one, and everything looks like it was done appropriately. The letter provides a phone number to call and dispute the outcome. I spent an hour trying to get through to anyone, and a message comes up indicating that they can not take any calls at this time. I'm not sure how I'm supposed to dispute the claim when the agency refuses to talk to anyone. 

Some of us have discussed a class-action lawsuit or something similar if MOHELA continues to not assist with disputes. Please feel free to contact me for more information. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: LEXISNEXIS
State: KY

Complaint narrative:
Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT AND THIS SITE SUCKS FOR DOING SO AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: CA

Complaint narrative:
The following Account is in violation of the FCRA. 
Account name : XXXX XXXX XXXX This account is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days.

In accordance with the fair credit reporting at XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I have multiple loans with Affirm Finance and have had for the past few years with no problem. I have paid off multiple loans with them. I make my payments via their app and have had no problems until now. When i went to make a payment, all of my loans except one had disappeared! It is their practice to send text reminders when payments are coming due, but this time i was unable to pay the amount in the text, because it did not appear in my account on their app! My account is showing a total balance of {$49.00} and a payment of {$15.00} due XXXX. I owe much more than this. I called Affirm customer service on XXXX to report this problem and to make my payment. The rep asked me for identification information for my account and i told him. He then stated the DOB i gave him was not the same that was listed on my account and would have to be corrected. He stated it would take approximately 3-5 days for this correction to be made, but until then, he could take no payment from me. I explained this would cause me to miss payment dates and he stated someone would be contacting me. I received an email from Affirm on XXXX from someone named XXXX XXXX stating he had received request to update my DOB, and for me to click a link to submit photos of my government issued ID such as drivers license, passport, or ID card and that once submitted to allow 7 business days for the update to be made. I do not trust this! I did NOT click the link and am still not able to make my payments on my online account. I do not know if this is fraud, but i have never had an issue like this and would like assistance correcting this issue as payments are due to them on various days and I am missing these pay dates in the meantime and do not feel i should be charged any late fees as it is not my fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are 2 late payments from Synchrony Bank/ CareCredit XXXX XXXX on my credit report that arent accurate and needs to be removed. My minimum due is {$100.00} on the XXXX. I paid {$670.00} on XXXX of XXXX. So I shouldnt have any late payments for the month of XXXX or XXXX. I had a late payment in XXXX but after talking to synchrony bank they said the would remove the late payment but when I checked my credit report the late payment was moved from XXXX to XXXX which should be illegal because I never missed any payments in XXXX. As part of the FCRA I need these late payments removed from my credit report immediately. 

By provisions of the fair credit reporting act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months.

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Money is disappearing from my Wells Fargo checking account and also credit card account. I received a few reimbursements for the fraud being caught but I still see money being missing from account. Also my credit card was still being charged even though I havent used my card. 
Also XXXXXXXX XXXX XXXX XXXX  has had access to my Wells Fargo account and they might have something to do with it.

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 2022-10-21 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:
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 Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX, Account Name : XXXX XXXX, Account Number XXXX XXXX, Account Name XXXX XXXX XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I became XXXX in XX/XX/2022. Even though I had card protection on this Synchrony Rooms To Go  account, I still made the monthly payments myself for 7 months, after which I applied for benefits. I have only had one address the entire time I have had this account, but they said they could not verify my address, so could not open a claim. Each time I have called, I was told that I would receive a callback from the Security Department so that we could resolve this issue. I have never heard back from them. It has been over 60 days of my calling every couple of weeks with no result, and the account has now gone past due. Of course, they still keep taking the fees from my account every month, even though they refuse to follow through on their promises.

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 2022-10-21 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: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect ( date open ) and the incorrect ( date last active ) for this account ( XXXX cred # # XXXX ). Because the date opened and the date last active being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Theres also a copy off my updated credit report provided.showing these inaccuracies

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 2022-10-21 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: GA

Complaint narrative:
XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit 27 times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: GA

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 name : XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : USBK Court XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 2022-10-21 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: GA

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 name : XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX Georgia # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 2022-10-21 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- a consumer reporting agency 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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